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I will say this:
We receive in the ballpark of 30 chargebacks a month, moslty for recurring orders we process, and we dispute and win 99.9% of them. We are in the US, we use humboldt bank and have good relations with the chargeback department. We do not use fuzzy marketing tactics either. We submit transaction logs, our tos, and proof of delivery and we win almost every time. We do not accept returns on recurring orders, so even if a customer returns a recurring order to us they do not get a refund.
Also, we sell larger ticket items, average transaction is about 149.00.
This whole "we are totally screwed without a signature" thing is bullshit from my experience.
When a customer does win the dispute it is usually a mistake on our behalf.
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