@pitdesi I do need to compliment you on deciphering Noca's service - it is more an Alternative to Authorize.net than Paypal (Thank you for pointing it out ). Y

@pitdesi I do need to compliment you on deciphering Noca's service - it is more an Alternative to Authorize.net than Paypal (Thank you for pointing it out ). You are correct, Authorize.net is not a gateway but an aggregator (most people confuse them for a gateway) and yes Noca will will provide a similar service much better About Chargebacks: They do exist for Checks. They're just not called "Chargebacks" instead they are called ACH returns, specifically return code R10 (google "ACH return code R10" ) Its just that ACH i.e. Check payments are not pervasive online hence knowledge about Chargebacks or the ability of the individual Payor i.e. Consumer to initiate a chargeback is generally not known. Unlike Credit Cards, Checks do not have an "800" number printed on the back that the Consumer can call to dispute a payment. However the rules set by the Federal government i.e. the Fed are similar/identical (google "Reg E" or FED regulation 12 CFR 205 specifically 205.6 if you really want to read the rule ). So the issue is more of Consumer interface/UX/UI and Consumer education - something that can and needs to be solved.