I need to charge customers' credit cards but I have a pretty high refund rate for my products. I do not really want to get involved with 3rd party processors, GayPal or what not. They'll probably kick me off after a month. If the customer is dissatisfied I just like to refund them immediately and not mess with it and it makes for a pretty high rate of refunds. Do you think merchant accounts with banks will also kick me off if I have a refund rate of up to 30-50%? I was thinking about getting a more lenient 3rd party processor in another country. But don't people's credit cards get blocked if they use them in another country without telling their banks they are going somewhere as fraud protection? The items I sell are $50-100. Do you think a one-time transaction ABROAD (on my payment processor) on a credit card for that amount would go through or would a typical bank/credit card company block it? Would it matter what country (e.g. Canada as opposed to Eastern Europe or Asia)?