thanks for the replies.
I knew Spear would have the “skinny”.
as to my income, it was a good month 
note- In the 4 or 5 yrs I’ve been doing this; I’ve only ever had but 2 or 3 chargebacks, 2 at Spiral, and 1 at … I think it was Kiwi.
Reply To: Spiral and "deductions"