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It's all about integrity. That's all Visa demands. Live up to your claims, and offer value to your customer.
No website in the world who operates an honest system is going to exceed Visa's chargeback ratio, under it's current rules. The bigger pps programs spend more resources on fighting affiliate fraud than consumer fraud. When webmasters wake up and realize that they are causing (and enabling) their own problems, then maybe this industry can be strong again.
Quit trying to fight Visa by reinventing the wheel. If you truly wish to embrace new payment options, then think outside of the box. 123bill is an amazing example of such vision and comes packaged with the integrity that is so dearly needed around here.
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