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psy: As I said, Canada appears to be totally different in their policies, or at least your bank has their act together. Humboldt is one of the largest adult merchant banks in the US, and most other merchant companies go through them for their high-risk, it's just a hopeless battle in many cases. I'd be interested to see if Tim processes only webmaster (b2b) transactions or actual surfer volume, because the two are obviously quite different.
I will tell you that based on US merchant history dating back 4 years and working with 4 different banks/services, there is little to nothing you can do to dispute the majority of customer chargebacks. Sometimes we get checks in the mail for the funds, but our CB ratios are already messed up at that point, so it's little consolation.
If you do make it to CEO of CIBC try to acquire an American presence so we don't have to deal with these awful American card banks ;)
C.
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