I feel your pain. We have a very similar policy at SuperSaaS (we don't ask for a credit card to trial and once they do commit to paying we make cancelling and g

I feel your pain. We have a very similar policy at SuperSaaS (we don't ask for a credit card to trial and once they do commit to paying we make cancelling and getting a refund easy). Still we get the occasional chargeback: we lose the €6/month our service costs and get dinged an additional €30 per chargeback by Braintree. So we lose half a year of customer value for each chargeback. I really wish they would make those chargeback fees more reasonable.