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This is totally Unacceptable, the issuing banks are supposed to give the merchant a chance to dispute the chargeback and give their story, rather then issue every cardholder an instant refund everytime they say so. I have my own merchant account and if anyone tries to do a chargeback, I am contacted and get to tell my side of the story. Once the fucker that is trying to cheat me and Comit CC fraud finds out I am disputing his chargeback claim, most of them then just cancel rather then chargeback. CCBill you and the other processors have a duty to your webmaster affiliates to fight these chargebacks and not just simply accept this crap from the banks. I realize your scared right now about being forced out of the adult business with all the other issues going on with Visa and MC, but that is No excuse to be derelict in your obligations.
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