When i was hosting clients, i always made a point to check in with them occasionally with a personally written email. I genuinely wanted them to have a good experience online with whatever they are doing and get to know them as people versus as a client. So i never experienced a chargeback or demands for a refund. A lot of my clients i knew by email or person to person conversations before i signed them up.
So i am very glad that all of you have shown me a side of payment proccessors that i have no experience with. But i still think i am going to stay with PayPal as i personally trust them with my clients credit card info.
Stone soup is flavored by its offerings of humanity.