OK people here is the deal. I am offering CPA approval services and lately I have got a huge surge of customers which is good, but of course there are some scammers that want to get accs but not pay... I mean they do pay but after a few weeks they file a dispute. So I was thinking is there a way to set up a merchant portal or shopping cart or something in which will be stated that no refunds will be given. Since these are intangible good which have no shipping address or something like that and we all know paypal policies on such goods. I've had one dispute but got it somehow resolved after they saw all the proof of ftp accs mysql and conversations. But I want to avoid these things in near future. So how can I protect myself?