Originally Posted by cariflav

What you have said here, I have heard about this before. my good friend told me he had the same experience. The bank always side with the customer. So he only use Merchant account for Tangible products and not memberships, for memberships is uses 3rd party billers. He say there long history and resources for dealing with Refunds and so on are better than he can do.

I hope I will have a different fate if I choose to do a merchant account.