You'd better call BBay and talk to them. They lost a lot of money through contested credit card billings...someone had stolen cc numbers and bought items through BBay. There are a lot of repercussions for the merchant...you lose your merchants account (and the money you thought you had). She's had software written to prevent a future occurrence of the same (she's very nice to talk to and VERY helpful). The merchant is definitely at a disadvantage as far as online credit card transactions.