[Rolo]

Whatever causes chargebacks to be less is good (just ask VISA/MC :-)))

Too slay the chargeback beast, then there is no magic weapon (unless you want to have fewer billing options) - instead you need to use an arsenal of weapons, which targets all of the possible areas where chargebacks can infest your business. The trick is too find the right balance without hurting your business.

I think a system like this would work well on some CC transactions, and with a few changes it could also be used to cut down the number of ACH returns.