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To top all that off there's probably a clause in your merchant agreement (or ccbill's) that says that Visa's decision is final, binding, and unappealable.
This is why ecommerce is failing us and a contributing factor as to why the dot com people took a whippin'.
Right now, I'm trying to figure out how to handle the bounced checks. The check provider allows them in, then shuts them off in the next couple days if the check comes back unpaid. Check fraud is blatantly illegal, whereas the credit card fraud has a grey area.
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