The main problem here is that Paxum is not a bank. So, for anything related to chargebacks or any kind of card abuse, you will have to contact the bank directly. But the problem is that the bank that issued the card would not do much to help you, since they will probably expect Paxum to contact them. So, Paxum is kind of "Man in the Middle" (sounds familiar?
). But as you know, Paxum support is very slow and usually not very helpful (except Ruth!), and I have a feeling that their support department is made of only 2-3 guys in total.
Paxum is a great service for getting your payments fast, but why would you bother using Paxum card, when you can do wire/EFT/whatever to move the money out to a real bank account? Taxation reasons? Go get a company in a country with low taxes.