> I mean it's an interesting enough heuristic, but can you provide an example of a processor that would refuse to business with someone because they had excessive chargeback, but also had the information in place to prove the purchases in question?
The problem in many cases is the difficulty in proving the purchases. For something like digital content, the only proof you'd really have is some server logs showing that it was transferred, which are naturally trivial to fabricate because they're entirely under the control of the seller, and so the payment processor may not give them much weight.
> I mean, if you've got crappy customers, I can understand where you're coming from, but I think your choice of customer base to market to may be more in question then whether the system as a whole is fit to transact in.
But then you run headlong into the efficient market hypothesis, because when everybody else is avoiding that customer base for those reasons there is less competition and thereby greater opportunity.
Also, from the perspective of the customer, just because 30% of similar customers are dirtbags doesn't mean you are or that you don't want to be able to buy your stuff.