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many people keep saying it's cross sales that are the problem. i'd rather hear from someone from a processor about this. considering that epoch is cutting out free trials but not cross sales, and that jettis and ccbill offer cross sales, that leads me to think it's "free" that is the problem - not cross sales.
roger v, do you have people with your sites offered as cross sales on their join forms? if so, are you seeing any extra problems with those cross sales becoming chargebacks?
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