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Look into Braintree (http://www.braintreepaymentsolutions.com/ http://www.braintreepaymentsolutions.com/) They are known to have the best customer service and can deal with these types of issues better than the other solutions. However, it is slightly harder to set up an account with them as you have to meet certain requirements before starting an account (and literally talk with a representative). For example, new businesses with no credit history probably will find it very hard to get an account with them. That said, all these precautions probably lead to reduced risk and higher quality clients on average.