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Programs don't give out CB's, banks and card issuers do. Trust me programs hate them more than you do and would love to pass along the $25 per transaction fine that comes with them as well. Refunds are usually an attempt to avoid a probable chargeback.
Customers are getting increasingly comfortable filing bogus chargebacks, as evidenced by Mastercard's recent relaxation of their limits.
The absolute most effective way to limit chargebacks is to eliminate affiliates who seem to be magnets for them. You can't always tell who's cheating or even just being too aggressive or misleading in their promotional activities, but you can watch their stats and solve the problem by cutting the cord.
If you want to minimize chargebacks look for:
Programs with no tricky upsells, xsales or hidden fees
Sites that cost the surfer under 24.95/mo
Typically it seems total amount billed is the number one factor that causes CB's, and for most people 24.95 seems to be the breaking point, though increasingly I am seeing it closer to 19.95. (economy is bad)
Obviously with sites that bill lower the payout is going to be lower but if you don't like CB's then that's what you got.
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