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As I understand it, if you have your own merchant account and have more than 1% CB in 3 months you lose rebills and pay a hefty fine. Also if you exceed 15 Cb in a month, refunds and chargebacks are combined to reach 1%.
If you use an IPSP they are the merchant, so your life is in their hands. They are the merchant.
Visa is a whole different animal.
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