Well, processing fees are there for both - I'm not sure he's making a big win there. But chargebacks are very common in online retailing. I don't think you can

Well, processing fees are there for both - I'm not sure he's making a big win there. But chargebacks are very common in online retailing. I don't think you can chargeback a debit transaction, can you? Also, if his business is dealing with people who are at the end of their rope, defaults and chargebacks may be more common.