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I've started getting pre-emptive about chargebacks and reduced them by at least 75%
There are certain things people put in email addresses when they think they are clever and going to sign up and do a chargeback .. like 0wn3d@ or any other fake email with an abnormal amount of numbers instead of letters.. f
I'll cancel, refund, and ban the account as soon as i see it.
I probably end up losing some valid sales but the amount of money i have saved in penalties, not to mention keeping my overall percentage low has been worth it.
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