I have all kinds of crazy stories... it sure was colorful talking to mid-america on the phone. Don't believe the propoganda, chargebacks are by nature higher than 1% in our business regardless of what your business practices are. You could refund everyone that calls in and I'd bet most merchants would still be higher than 1%. All you need to do is talk to one of the merchant banking consultants to find out what big companies have been through 10 or 20 or more merchant accounts
Brad