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Actually, you're not far off. I think a better way to do this, is to have an "Auth" page prior to sending the user to the Splash page. The "Auth" page will require all of the following info:
1. First/Last Name
2. Last 4 of Social
3. Billing Address
4. Log IP address
5. Check the "I Agree" box to the site terms.
6. Set a cookie w/ this info, and call it later on the join page.
If all paysites did this, and you still got chargebacks, you could dispute it w/ the CC company, and get it sent back to the customer and charged as "valid".
Once the user hits your "Members" page, log the IP, and timestamp into a database, as "Viewed" by the specific user. You have now accepted payment, and provided a service. There is no way in hell they can dispute it.
Also, on the members page, you can let the surfer know that their information has been recorded and logged into a database, and that any attempt to chargeback will be disputed. And you may persue criminal fraud charges against them if the attempt is made, holding the surfer liable for all court and attorney fees.
Once they make payment and enter the members area... They have accepted the terms of the "binding" contract, and by law must abide by them.
Consider this... You may be thinking that a surfer may want to stay annonymous when surfing porn. However, if they signup... You get all of their info anyways. If the user gets scared off, and tries somewhere else, and gets the same thing at another paysite. And ultimately finds that he/she will HAVE to give that info in order to enter a PaySite, he/she will do it. It may slow signups down for a short while until they come back, but, ultimately... What is more valuable... a surfer who signs up, you make a quick buck, and charges back.... OR, a surfer who decides to TRUST your site, and give you his/her personal info in order to access your site?
Just some stuff to ponder.
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