For the most part you are correct.

CCbill is a lot harder to file claims with Visa & MC.
It can be done but it is harder.

This happens not only in our industry but ALL industries. The card hold only has to say "It's not mine..." and they merchant bank allows the chargeback. We have had more success when with our own Merchant Account (not CCbill) by filling the disbute form with all the information above.

The ones with CCbill I had to contact the client myself with the information and suggest that I will be filing a claim. It had had about a 50% success rate.

The chargebacks that I did with my own Merchant account has a 95% success rate. The big difference the that I can file my claim with the credit card bank direct with my own...but can't with CCbill.

Drives me crazy too since we all know the user wanted the membership or product. I would like to see a service that I could pay someone to hand deliver noticed to these clients and lean on them a bit more. Letting them know that we will have to have their wife sign the form too that they did not use their credit card to view porn.