For Sunshine -
Honest webmasters have chargeback ratios no matter how good they are. When I was with WWIA, their sys admin NEVER processed anything, I had to do it myself, and I didn't wait until next week, or even the next day. It was done within hours of the e-mail. Hence, I had their lowest charge-back ratio at WWIA, and was able to continue on in business (after WWIA had their account blocked).
In addition, no matter how good we are, when we REFUND a subscription, unknown to most of us, that refund also counts as a charge-back (unless VISA, etc has changed this area). So being a "good-guy" doesn't even pay, you end up with the same ratio.
To Ron at CCBILL -
Good to hear from you. Don't know if you remember me (
[email protected]), but we say hi at every Internext convention. Thanks for giving us some insight into this major problem.
vik