I think it's like this- Rosity submits an itemised bill to Megacard, with a list of all the customers of theirs that need to be billed for the charges. Megacard pays Rosity a lump sum, then passes the bills on to you. (If you've purchased something.) When the customer has called to say "refuse charges", the cc# is listed stolen, or similar- all those things get sent back to Rosity and "charged back" against the sum already paid. Am I getting this right?