This is how all of these payment gateways work and it really sucks to be a provider of digital goods, because you will almost always lose disputes. One of the

This is how all of these payment gateways work and it really sucks to be a provider of digital goods, because you will almost always lose disputes. One of the reasons it's so easy to get access to a payment gateway is because there is no checks of your business up-front to mitigate the gateway's risk. Before it was so easy, you had to basically have someone come out to your business and interview you before you were accepted.