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ive had my own merchant account, and i found from experiance that chargebacks come 5-6 months after the transaction date which we found shocking.
theres people who know the system and abuse it.
however you can appeal any chargeback claims and you can win them but im not sure how this system works in porn.
we were billed 25.00 usd a chargeback and had to foot the bill, so merhcants in this industry probably pocket appealed transactions to recoupe some lose.
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