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but if you are small I doubt you even have 100 chargebacks per month.. thus you are not a problem... to visa
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100 a month? Damn We have had 30 chargebacks since Jan 2003. Trust me.. you can control chargebacks without charging a fee.... Its called taking care of your members. Give them what they pay for and dont jerk them over on upsells and crossells. Play far and you wont have issue.
Charging 10,000 will not end the chargeback issue. The programs that are having chargeback issues would hardly miss the 10k so there would be no incentive for them to change there ways.