[noonespecial]

It just goes to show that even with Square, charge-backs suck. People are going to look you right in the eye and steal from you. Its a business reality.

The company that addresses this problem in the most painless way possible is going to win. We can thank payapl for demonstrating the worst way to handle it. The moral: be as least paypal like as possible.

I don't think its possible to cure the charge-back. As a merchant, you're going to lose out. That just seems to be how it works. The win will come from making the process as clear and painless as possible. Automatic systems that keep overdrafting your bank while sending you robo-responses are not they way.

[dsterry]

Well there is Bitcoin which has no chargebacks and for a face-to-face transaction there would be little need for an addon escrow service.