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I don't like doing business with 3rd party payment processors because their fees are a lot more than what is available in the open market to us. When you process large volumes of transactions you can negotiate better terms.
The customer credit card BIN numbers are submitted directly into our PCI-DSS servers. I know who they are and how they came by VPN, Proxy or their public IP -- we scrub our own transactions dynamically in real time now. I get my responses relayed directly from the processor's banks -- not some line of shit that I can't verify days later. My algorithm when adhered to is working for us. I don't get sorry ass reasons for chargebacks -- nor do I accept them.
If you have ever made a chargeback (demanded a refund) on your debit card or credit card with your issuing bank you would know what is involved. If a 3rd party billing processors are willing to reverse charge transactions on a customer's complaint to protect their aggregated merchant accounts -- that is not my problem.
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