Hi, I hope my question is clear and that someone out there can help!

I'm launching a small web-based business in which i will need to process credit card payments through a virtual terminal. Since I will be offering a relatively costly service (in the range of $250-500 I expect occasional chargebacks. I understand that a wide range of Merchant Account provides (both banks and third party companies) impose strict sanctions on businesses with frequent chargebacks. for example, I am aware taht some Merchant Account providers will often freeze an account after several chargebacks, delaying your ability to withdraw your funds.

I need a merchant account provider that simply charges me a fee for the chargeback and doesn't impose any other sanctions on my account.

In other words, I have no problem covering the cost of the chargeback and being charged a fee, I just cannot afford to lose access to my funds even for a few days.

Any suggestions on a company I should look into?

Thanks!