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And I agree.
MC would probably be a lot easier to work with had things been done differently in the past. ;)
I have no problem with them fining processors for excessive chargebacks. The processors should be making sure the sites they process for aren't shit and don't do crappy things like burying charges in fine print and stuff.
I also have no problem with them counting credits towards the c/b ratio. I know why that was done.
I'm just saying MC has gone way too overboard in some of the stuff they demand and has done some crappy things, too.
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