Betsy, you can't pay for advertising like that.
Effective April 20, 2013 VISA/MasterCard removed chargeback rights for attended terminal card present transactions. Consequently, it is a waste of money to even try filing chargebacks in these cases. VISA/MasterCard rules put liability for these transactions on the issuing bank.
In the event of a compromise resulting in counterfeit cards, VISA/MasterCard may choose to fine the Member responsible for the breech and issue some fraud reimbursement to the issuers based on transactions properly reported to MasterCard's System to Avoid Fraud Effectively (SAFE) or VISA's Fraud Reporting Service (FRS).
For details on my upcoming programs check out these links: Reg E vs. VISA: Debit Card Dispute Resolution Reg E vs. MasterCard: Debit Card Dispute Resolution
Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!www.tcaregs.com