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Why don't you fight the chargebacks? I had a lot of success challenging chargebacks on dating platforms where the guys were signing up behind their wives backs and getting caught.. claiming credit card fraud.
Depending on the chargeback code you receive from MC/Visa you can fight it and at least claw back some of that money.
There are a ton of systems which you can integrate with your billing platform to flag potential problem customers who are more likely to do a chargeback.. but these usually cost a bomb
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