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PSSuperstars thanks for that detailed reply. So at the root of the problem is the dishonest surfer. Visa and MC can take the blame for harboring this ridiculous "Chargeback" notion. It is totally proposturous that anyone can buy something then simply deny it, and get the money back no questions asked. How oh how did all the merchants of the world find themselves in this situation.
So, the problem is deeper than it seems on the surface, but I still think there is major scope for one of the big processors in adult to build a PayPal.
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