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depends on what you are charging for. if its a virtual good, better have a strong agreement in place.
with all of my clients that I charge their cc for monthly fees, I have an agreement that they sign clearly laying out what they are buying, etc. had an attorney write it up familiar in that area.
customers of ours have a TOS they agree to with a virtual signature, etc. we called the cc processor to ask what they recommened. anyone spending over $2k a month has to sign and fax an agreement.
going on 4 years now, we have had 2 disputes and easily won both.
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