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Visa rules only apply to charge backs don't they? They don't care if a customer gets a refund, because they get paid on gross sales. This is why credits are a bit higher since the Visa rules were instituted, I was thinking.. maybe I am wrong? I know that now, with Epoch at least, anyone who asks for a credit with any degree of assertiveness will be given it. This is to prevent chargebacks. If I go through my credits, the reasons are all "Chargeback risk -- credit given". It's sort of annoying, because I pay webmasters per sign up, and on top of that, epoch charges me for gross processing fees, not net, so they get their money either way...
Anyway..
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