Pierre,

First can you please stop posting here. Every time I see your avatar I just wanna, well never mind. Hehehe.

Second, sometimes a refund is better than a chargeback. Even though he is annoying and does not deserve one, but he may be smart enough to try it. And he may have used a friend cc or whatever.

Third, I wanna market your site, but I am not familiar with your processor (remember I have been out of the biz for a year, but been in it since 1999).

I like your site.