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unless it has changed recently, amex has a different policy on chargebacks than visa/mastercard. Basically, any chargeback is honored and there is no recourse for the business owner to prove the transaction may have been legit and the chargeback was simply a customer looking for a free gift.
That can be good and bad i guess... as a customer, the chargeback process would be alot easier through amex, but just one more reason for small business owners to not accept it on top of the additional processing fees they charge on their merchant acounts.
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