There are many factors. However, first and foremost, our system and business practices were designed with the advice of various bank security experts, Internet technologists and other credit card industry experts. This industry expertise along with the key features of our system such as real-time processing, our RTB Risk Management/Fraud Detection software (developed by our provider based on our own Internet expertise) have contributed to the low chargeback rate.

We are very proud of our reputation in this area and continue to refine our system with the goal of further reducing chargeback rates.