Let's assume you're running a scam (thought experiment). If it was possible to refund anybody who complained and not have the complaint affect your ability to c

Let's assume you're running a scam (thought experiment). If it was possible to refund anybody who complained and not have the complaint affect your ability to charge credit cards, then wouldn't every scammer do this? I think it's fair to assume that few people will notice a fraudulent charge, and much less bother to dispute it. If you charge money you don't feel like you need to charge -- then simply don't charge it :) For a subscription simply ask inactive users to sign-in and confirm that they wish to maintain their subscription.