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tony404, i get the feeling you think i'm on visa's side.
i'm an adult webmaster as well. and i was one before i started working for visa. chargebacks affect me too.
working for visa lets me see both sides of the coin. and things are not as black and white as everyone thinks. there's a lot of grey areas.
if you wanna take it as black and white, then keep this in mind. visa is a business. not a community service or charity organization. their primary goal is to make money. if they have to choose between keeping millions of credit card holders happy or keeping thousands of webmasters happy, what do you think they would choose.
you're bothered by chargebacks? get away from the IPSP model and get your own merchant account. you'll see how quickly your cb ratio drops.
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