You would also have a ton of dishonest affiliates signing up for a $2.99 trial, getting their $35 and charging back.. then having their friends and families do it.. and then creating websites asking people to do it and rewarding them somehow.
it would be a nightmare..
And the worst part about chargebacks is someone buys something for $1.99 and then charges it back, you need to tack on a $25 or more chargeback fee..
So that $1.99 sale that is now lost actually costs the merchant $25... which is why Credit card companies encourage chargebacks, they profit from it 100x more than they would collecting interest.. I remember years ago seeing all kinds of ads from some CC companies about how easy they make it to charge things back..
And while there is some fraud here and there.. I really think a large percentage of CB's are people who had buyers remorse, or intended to CB, or their wives saw the charge on their statement and the husband says "I have no idea what that is"...
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