Hi John,

It most def would be a hassle - but if you want 100% protection...well....

Other then that, just keep really detailed records - also, my original advise stands - get a real merchant account - the fraud filters have saved us an enormous amount of time (and phone bills) and your increased ability to defend yourself against chargebacks makes it worth the cost...

Anyway, best of luck, and let me know if you need any help fighting this...

ps - any news on whether this was fraud or not?