I have a membership site that sells a digital product. While paypal always sides with the seller on the sale of digital goods (because intangible items are not covered for protection), chargebacks are not covered. Sometimes buyers will log in and use our service but then file an unauthorized payment chargeback. I have successfully fought 2 or 3 unauthorized payment charges, in the instances where the buyer was dumb enough to email us first, then file the unathorized payment charge. In these cases, I have my statcounter logs and the email from the buyer with the buyer's IP, matching the statcounter logs. I send this to paypal and if the evidence is there, you CAN WIN these unauthorized payment chargebacks. Now, what I want to do is figure out a way to make the buyer verify the he or she is the person making the purchase and they themselves are the ones authorizing it. I was thinking about adding some type of page that shows up before (or after?) payment, and basically have the buyer fill out some type of form/agreement before they use our service, but I haven't yet been able to figure out what exactly to write/ask the buyer that would actually be enough evidence in case of an unauthorized payment chargeback. Hopefully this makes sense. Any input is welcome.