Ray, I hosted a teleconference on February 12 called, "Customer
Experiences." On it, I interviewed two customers, one of which has
some very ingenious charge-back mechanisms for the University of
Wisconsin. To get the tape (no charge), call 800-813-5795 and ask for
confirmation code 287272. The customer is also willing to take calls
so if you like what you hear and want to talk to him and/or look at
the website he's using to implement, let me know...Rob