[DanBlake]

The way that these business's get past those regulations is pretty easy actually. They have multiple (and when I say multiple, i mean hundreds if not thousands) of payment 'accounts' (I think they are called pids) so if one of them gets killed it does not effect the entire business.

The other sneaky thing I heard some were starting to do was to determine if a card is a credit or debit card- You cant chargeback on a debit card so they treat those users worse.

The one thing I dont understand is the making it difficult for people to cancel via phone. Chargebacks cost money, so almost all of these guys give 100% refunds to anyone who calls. Not doing that seems stupid.

Its similar to back in the ringtone days how the providers would have hundreds of short codes, so that when some of them blew up, it wouldnt effect the entirety of the business.

[omarchowdhury]

Do you have any sources for: 'You cant chargeback on a debit card'?

[DanBlake]

Cant is the wrong word, my fault. 'much, much more difficult' would be appropriate.

[jmagaro88]

That's not actually correct. The process of charging back on a debit card is very similar to charging back on a credit card.