Hello everybody! I am new to the Ecommerce industry and have a few questions about it. 1. Who among the Merchant Account Providers or Agents ISOs is lenient and tolerant towards the chargebacks (~10%). 2. Websites selling which types of products statistically are having the most and the least of the chargebacks? I'm not talking about high-risk products, of course, so no gambling, adult, supplements, payday loans etc. No, just regular type of products: books, home tools, sports equipment etc. 3. In terms of amount of chargebacks what is better to sell- services (like software development services, for example) or physical goods? Thank you so much for your future replies!