Paul Hutchinson wrote:

> If you and the customer agree ahead of time, in writing, that to save
> money the package will not be insured and it is lost in shipping then
> you will be able to defend yourself to the BBB. However, even in this
> case the credit card companies will still side with the customer and
> take the money back from you :-(.

I don't think of that as the CC companies siding with the customer. I think
of it more as a "this is a somewhat unclear situation, and they want to get
out of the middle man situation". If you think that you're right, you still
can sue the customer. And you always have the choice of sticking to the
shipping methods you like -- the customer doesn't have that choice.

For me, credit cards are a type of payment that is based on being in
agreement -- in several "points of cont(r)act". If one such point doesn't
work out, the whole scheme doesn't work out, and it's reasonable for me to
cancel the deal. There's more than enough CC fraud as it is; probably it's
easier to hold the position that the CC companies pay too much than that
they pay too little. 

Gerhard

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