If the customer complains about a service or product, they just snatch the money back from merchant, who has no leverage. I cut them off and explained why. Of course they disputed the credit card charge and got their money back. No, if the cardholder wasn't going to pay, they know where it is easiest to get the money from. Jessie James used to rob banks, now he runs them.
Banks are very dishonest.
Now comes the asking part. By the way, a note on Cybercash. This was five months ago. I am not an irrational person. All replies are welcome.