The really sad thing about charge backs with the CC companies is that they do not offer you ( the webmaster ) the chance to prove that the person did infact use your services.
For example. If the person is surfing high speed he MOST likely has a static IP. While this is not fool proof, you can bet your ass 99% ogf the time they guy that owns the ip is the same as the charge card.
And then the web stats that show the guys entering the site 100 times of more and spending x time of certain sets of photos etc... This should be enough proof for the credit card companies and VISA/MC to tell the customer they have to pay!!!
I had a guy compalin and threaten to charge back and told ccbill that his roommate made the charge. But by Visa regulations, any one in your household makes a charge and you have to pay!!! But even then CCBILL gave the guy the credit back!!!
Everyone is scared of Vias and MC right now... Supposedly one of WSB problems is that they had greater than 1% charge back!!!
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