Avoiding Chargebacks"Depending on the type of business, the frequency of charge backs will be higher for some businesses and more difficult to defend. Learning15 the proper way to handle a customer chargeback will help the owner and reduce the frequency. Having to pay charge backs can be very costly to the business owner resulting in losses. It could also be very discouraging to a new business owner knowing that he has to pay a penalty, as well as refund services rendered.It would be a good idea to be aware of the things about which your customers complain frequently and make it a goal to correct, improve, or remove it. It would be very unfortunate to learn of a damaging remark about your operation made on the Internet, rather than face- to- face.Make it a point to inquire of your customer whether he was dissatisfied. Make conversation with your customer and if the customer has a complaint, make every effort to resolve it as soon as possible. Charge backs could get very costly and sometimes settling the dispute with the customer could save you money. However, there will be times when the refund should not be given or attempts to settle this on the spot should not be made. The business owner will have to use his own judgment.Jesus counsels us to “Love your enemies, do good to them which hate you, Luke 6:27, (KJV).” No doubt some business owners will have difficulty doing this when the occasion arises, and some may have learned that this is the way to go. But, I encourage you to try this. As you do more and more business, you will find this to be a very necessary way for you to resolve conflicts in your business. It will be easier to do this than to resist, as Jesus said in Matthew 5:25 (KJV), “Agree with thine adversary quickly whilst thou art in the way with him.; lest at any time the adversary deliver thee to the judge, and the judge deliver thee to the officer, and thou be cast into prison.” Being cast into prison may be an extreme outcome, but we can avoid further conflicts if we would just humble ourselves and strive to resolve our conflicts. If it is any consolation, there are rewards for acting with love. Luke 6:35 says, “But love thee your enemies and do good and lend, hoping for nothing again; and your reward shall be great, and ye shall be the children of the Highest: for he is kind unto the unthankful and to the evil.” As one can see, business owners have a higher degree of responsibility because of the number of people with whom he/she interacts.

They sat in a sphere of quiet, save the sound of theirbreathing and the carriage’s creaks and sways. Outside,the coachman yelled his encouragement to the steedsmoving them forward. The whole carriage cocoonedthem in a peculiar world with the heaven’s wool-thickmists pressing against the windows. Her hand didn’t stop rubbing his neck, but sheshifted her leg, bending her knee to rest her leg onhis thigh. Her patten slipped off, dropping to the floorwith a thud. Cyrus’s head moved off the squab. “Are youundressing for my benefit?” His smile’s wicked curve played on her. From herstays to her drawers, everything was too tight, toomuch against her skin. Cyrus reached for her handworking his neck muscles. He brought it to his lips andkissed her knuckles thrice with slow adoration. “We don’t have to stop,” she said, her voice breathyand quick. “I’m sure you have more aches and pains.” Mid-kiss, he smiled against the back of her hand, hiswarm breath brushing her skin. “There are so many ways a man could go withthat.” Humor lightened his voice. “But I’m sure youmean to provide tender care to my neck only.” She grinned at her unintended innuendo. This wasthe experience she craved—to flirt and tease, to kissand touch. Cyrus put his lips to her wrist, marking herwith hot kisses. A spangle of pleasure shot up her arm. “You would break down the meanest soul withyour soft heart.” He set her hand on the blanket’sscratchy folds, his thumb caressing her wrist. “High praise, indeed, sir.” Tinseled sparks danced across her skin, not lettingher recover from those gentle touches, his lips to herarm. He stroked a lone finger on her hand that restedbetween them. “And you don’t care one bit that I’m the son of aMidland swine farmer, do you?” Cyrus asked the unexpected question, but his voiceconveyed confidence in her answer. Was her chivalrousbrawler showing a hidden spot? She peered athim, wanting a better view of his shadowed features. How was she to decipher this latest turn? The carriage bumped and rocked, and the outsidecandle lantern swung another shaft of light inside. Hisquicksilver stare pinned her. “Miss Mayhew, have you ever wondered how afreehold farmer got to be in such a fine place?