> Hi Mike,

> I can see his point, but when it comes to
> credit card sales (as most sales are today),
> I don't think this is practical, as a 10-12%
> return rate would probably jeopardize one's
> merchant account.

> Just my $0.02 worth . . .

> Best,

> Paul

Paul,

You don't have to refund the card. Send a check or money order...we've been doing that in our business for years with very few problems or complaints. No sense screwing up your merchant account!

Take care,

Mike Winicki