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Old 02-19-2004, 01:01 AM  
psyko514
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Join Date: Oct 2002
Location: Montreal, Quebec. ICQ: 214702014
Posts: 22,366
The money taken out of your merchant account was first put in your merchant account. A credit and a debit cancel each other out.

As for the fees, Visa's employees do not work for free and Visa does not get office supplies for free. That's just two of the reasons why there are fees associated with chargebacks.
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