Visa makes a change on return policy
 

Basically, if a customer claims a chargeback and says "I never saw their return policy" you can fight it IF you follow the new regulations.

(I got this off a merchant fraud protection website).

"In the May, 2004 Visa Operating Regulation, Visa has ammended it's refund disclosure policy regarding electronic commerce merchants to read:

An Electronic Commerce Merchant Web Site must communicate its refund policy to the Cardholder during the order process and require the Cardholder to select a "click to accept" or other affirmative button to acknowledge the policy.

(I paraphrase the rest):
o policy must be on same screen as check out screen with total amount
or
o on one of web pages Cardholder accesses during checkout process"