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The refunds sucks too.
Yesterday I've checked my CCBill stats. I got one chargeback for $4880 earned for all year.
With PB I got 1 refunds for each $685 earned, 8x times more than with the CCBill programs I use on my other sites. Hopefully, not all refunds are deducted from my income.
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Stop doing what you like and start doing what brings you money!
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