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Yes i agree with the fact that "posting" which is what your referring to is a chargeback waiting to happen. Buy here free and offer three more frees before you can make it to the original members section.
The major problem is that The credit card companies dont take the fact that folks really did the transaction into consideration when a dispute arises. If the consumer calls the bank you have no idea a chargeback is coming until it does.
Secondly the card companies dont take into consideration a loss of sales. So if your sales go down , like after sept 11, you can be fined because thresholds were broken
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Maximus
Websitebilling
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