Webbilling.com has a full Collection Division that goes after every chargeback against our EU direct debit platform - Our collection department aggressively pursues every chargeback ? including principal amount + charges. Collection involves legal letters, phone calls, etc., and begins immediately upon our notification, and we make it very easy for the user to make good on his debt. We attempt to recover every single transaction for our merchants and these credits become a revenue stream of their own over time.