Well after weeks of reading the posts here, I actually have some first hand experience on a subject. I am a merchant who accepts credit cards. A couple of years ago I stopped taking checks from a customer due to NSF. I then proceeded to manually enter his card into the terminal with his "verbal permission". A few months later he disputed the charges. The total chargeback came to over $2500.00. Their reasoning was I did not have possession of the card, I did not imprint the card, and he did not sign for the transaction. And I had no recourse. The processing company also considered me a "high risk" and withheld an additional $2500.00 from my account for 90 days. There must be a piece of this puzzle missing. The chargeback should have been automatic. Jim _____________________________________________________________ Click here to see the world and find great teaching positions abroad. http://thirdpartyoffers.netzero.net/TGL2221/fc/Ioyw6i4s1Zh5OupxzI9cOSSCVlyJeG aFBLKv8k2Q1FlpF34WxM3Bgg/