2Checkout is TERRIBLE! DO NOT USE! Authorize.net is the way to go. For years I was stuck struggling with 2CO. They accept any chargeback, and then charge you $30.00 for the chargeback. (plus the chargeback) Their fraud program works only half the time and block more good orders than bad ones. It even blocked my personal debit card! Sales sky rocketed once I gave 2CO the boot.