[aneth]

You are not expected to keep a month sales, just some small percent that will vary by your customer's tendencies to chargeback. Since almost every merchant account will have some chargebacks, and high volume ones will usually have some persistent level of funds in chargeback limbo, having some billing process to ask for funds is expensive and unnecessary. And what would happen when Jason refuses to find his account because he didn't agree with the chargeback?