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The problem is credit cards. They were never made for usage on the internet in the first place and Visa/MasterCard don't give a shit about fraud because it doesn't cost them anything. Solution: give people huge discounts when wiring the payment to you. In Europe we have Direct Debit. Can't be charged back and many clients prefer it too because they don't have to give anyone their credit card details. I'm now offering one year subscriptions for 100 euro/year paid by bank wire/transfer/direct debit only and it actually works. You also keep out the content thieves; they will hardly ever pay for content let alone transfer money to you from their own bank account, because they want to remain anonymous.
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