[mario1900]

Thanks for the feedback.

I've spoken to a few financial instituions. The general consensus seems to be that we're not doing anything they didn't wish customers did already - which is contact the merchant for a refund before creating a chargeback. We've been told that in only around 18% of chargebacks have the customers even told the merchant they have a problem before filing the chargeback.

I do expect someone along the line will have a problem with it, in which case we don't offer services for customers with that institution (after attempting to change their mind!).

We do have a layer of manual checks on each chargeback before they are processed. I like the idea of spot phone calls though - might add that in!