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Our system is designed primarily to prevent "friendly" chargebacks...
Those people who are afraid to be called back at 2:00 AM lest their spouse finds out are the same people that, a month later, will charge back because their wife sees 'pornowatcher.com' (or something similar) on their credit card statement.
We are aware that some may be apprehensive about this, we are working on a solution were merchants can decide to, on an individual basis, have their customers authenticaed say 24-48 hours later.
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