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Hey everyone, I want to share a some insight that these research companies go through on a daily basis. You may be wondering why do these companies use these weird payment processors. Payment processors and banks classify research peptides as "high risk" for several reasons. The regulatory gray area around these products makes financial institutions nervous. So these companies are forced to pay insane processing fees and most of the time the card processor holds an additional percentage just in case. We've all been there: an order is wrong, damaged, or late. The easiest thing seems to be calling Visa/Amex and starting a chargeback. But here's what actually happens when we do that: - 💳 They pay INSANE credit card fees. Because banks label them "high-risk," they pay 9-12% in fees on every single order, while a normal online store pays like 2-3%. - 💸 A "chargeback" isn't just a refund. When we file a chargeback, the credit card company hits the vendor with double the fees on top of them losing the sale. - 😱 Chargebacks can literally shut them down. Each chargeback is like a major "strike" against their account. If they get just a handful, their payment processor will drop them completely. They would literally lose the ability to accept credit cards, which could put a small business under for good. You may have had no idea it was this serious. It just seems like a simple way to get a refund. The reality is, most of these companies are desperate to keep customers happy. Their reputation is everything. If you have a problem, just send an email to their customer service first. 💬 Give them 24-48 hours to fix it. 99% of the time, they will happily reship your item or make it right. They actually want to help you. By emailing them first, you solve your problem AND you help keep a good business from getting unfairly punished by the banks. It's a win-win. Let's keep the good ones in business! 👍 Sometimes there are issues that are extensive but, I think this is important for both parties to understand.