I seem to remember another biller also introducing a shopping experience a while back to comply with MasterCard. I think, to a certain extent, that requirement helps classify a biller as a shopping centre, rather than a third-party processor. It may not be directly related to the 1% chargeback requirement.
One thing I have been wondering is this: How would the chargeback situation be affected if the biller sent a receipt for purchase by registered mail to every customer at their billing address. I'd love to see people challenge it, if the IP address, etc. were logged and included.
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