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I would quickly like to address the chargeback issue. You need to understand that the $ 25 per chargeback is something that is charged by the acquiring bank. I would think it is rare for a payment provider to increase/add to the chargeback fees opposed by the acquirer. A company who does not pass on the chargeback fees will need to compensate for the costs in another way; such as a higher transaction fee. In Europe those chargeback fees can range anywhere from ?10 to ?100 per chargeback.
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