The only real answer is attaching a physical product to the membership where you need to use a mail service to send product.

In mainstream, we get around the charge back issues because we have an invoice, shipping receipt and the ability to challenge the charge back with proof of service and goods rendered for payment.

However I don't see people signing up for a site if they need to have something mailed to them.

And with best buy, They do take returns BUT they also charge you a 10% restocking fee.

Maybe CCBill should Prorate the total time of membership.