I don't know what to do. My merchant account got put on hold because of excessive charge backs and the CSR assigned to me at first data basically said that I better get lower the charge backs immediately or I'll be kicked off. I'm going to get kicked off for sure. Where can I get a merchant account for charge back rates of about 5%? I've even given refunds to over 50% of people asking for it and kept calm with people screaming and crying at me over the phone. It's so frustrating, I'm thinking of adding a charge back policy and putting it on the front page! Any other ideas?