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Use Pennywize, Strongbox, or Proxypass to protect your site (especially if you have a lot of movie content). If the site is good enough, hackers will crack into your members area and share it to the world - crashing the server... You need some protection.
Chargebacks are on the rise this year, i believe credit card fraud is the main cause. Plus then there are a few lovely customers who credit 3+ months. I'm almost at 1%.
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