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Rick, interesting article. I have seen many strong tough individuals brought to their knees by chargebacks. Chargebacks are not new to the porn industry or the internet. Many of those who got their start in the *900* phone business went out of business due to excessive chargebacks.
I have never heard of one bank who didn't issue chargebacks simply because the membership fee was low. In fact, I know webmasters who got into chargeback hell charging only $9.95 a month. There are too many wimps and crooks who want to get something for nothing, even if it means calling their banks and lying through their teeth.
Are you suggesting the answer is to use your own personal merchant's account? How many people do you know who have the kind of credit necessary to do this? Why would anyone want to use their own account when dealing with dishonest porn webmasters and scuzzy members (mostly young white men) who have no intention of paying a membership fee?
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