[tonyedgecombe]

But lots of people aren't comfortable asking for their money back. They are, however, plenty comfortable asking their bank to ask for their money back.

I think you are being generous in your interpretation. I don't get many chargebacks but looking at the ones I've had there has been a lot of deceit and fraudulent behaviour.

[jasonkester]

Do you mean it's your customers who are being deceitful by charging back a service after they've used it (as mine do). Or do you mean that you have customers using stolen credit cards to pay for your service and that the chargebacks are happening when the card owner discovers as much?

I haven't seen any evidence of that second case happening with my users (apart from one incident where card thieves discovered my "update your credit card" workflow and used it to sanitize numbers for a few days before I fixed the loophole). But the first one happens all the time.

It'd be adorable in a way, as I'm sure the people doing it think they're totally getting away with something. If, that is, it didn't jeopardize my ability to continue charging credit cards in the future.

[tonyedgecombe]

The first except they continue to use the software after they have done the chargeback.

Also expense fraud, the buyer purchases on their credit card, makes a claim with their employer then does a chargeback to get a refund.

I also get a lot of people buying a single license and using it on multiple computers but that's really a different issue.