sara motherfucking swirls
i've had my own merchant account processing for paysites a few years back, I did my own CS and batched my own payments, it was nice and problem free for about 3 yrs straight, then exactly what you're describing happened. i was even shipping dvds and whatnot out in addition to processing recurrings and it doesn't matter if you've got the customers IP, address, and a UPS signature from them. if they want to can you they will do so, and at least in my case fined me $25k. I was using firstdata/linkpoint/cardservice intl if you care to know. its all part of the game and risk of running your own merchant account, not really much different than selling dope, so deal with the risk, minimize it, or get out the game and go back to 3rd party billing. realize you are likely on the visa/mc TMF/Match file and can't get another independent merchant account under your own name anymore so just go back to 3rd party billing, and use that like most other folks do to get your money