Quote:
Originally posted by John3
Maybe I am slow, but I am still having trouble with the concept of reducing transaction volume to limit your chargeback exposure.  
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It's not to reduce transactions, it's to start out with fewer transactions to begin with.
If a free trial cancels, no processing is done with the bank for a free trial, hence no exposure. This way you only deal with monthly memberships of folks who already have seen the site and want to have a monthly membership.
If a paid trial cancels, each and every paid trial is processed with the bank, that's exposure and then you have the monthly tranactions as well.