I am currently dealing with a "high risk" product that I sell through Paypal. I'd rather not go into details but let's say its similar to the usual "Watch TV from your computer" that used to be all over the net, clickbank, ebay, etc.
For now my ad expenses are less that my income minus refunds so I want to continue till the market gets saturated as It did with free TV.
Problem is it "raises too many flags" on Paypal.
I do *NOT* mind refunds. The problem is that people start Disputes and/or chargebacks BEFORE even contacting me to ask for a refund. Human nature. And I am really afraid about my account. I do not want to be blocked for 6 months because they will "investigate" . (for more info: paypalsucks.com)
Paypal does not accept above a certain percent of chargeback and "un-undisclosed" amount of Dispute which is roughly 5% (?).
I already have a Clickbank account with a small product that I dont care too much but I receive my $5 cheques every two weeks. Forget about affiliates too. I can use it right away and that's what I care.
ALL I WANT is to find a payment processor that will not just close my account and leave me hanging. Is Clickbank reliable for "high-risk" electronic products?
If, for example, I pass their 2% (?) chargeback maximum limit, will they just block my account and i forget about my money for the next 6 months like Paypal? Will i be able to "reason" with a human being over the phone or email or will I get canned answers that piss me off so much ?!?!?
Basically, i do not mind paying extra chargeback fess AND give 30% refunds (I exaggerate of course), BUT i want is to be able to get my money - even if it is once every two weeks.
I hate the fact that not only i have to pay to create a new account for a new product i will still have to practically have to wait 2 months to get my money from Clickbank. Despite the fact that i am alredy a "customer".
I am basically looking for a high-risk, reliable, payment processor.
I would REALLY appreciate your feedback.
Thanks in advance warriors for helping a newbie in despair.