My mistake..
  When someone originally mentioned returns, I was thinking in terms of
profits, not in terms of 'product' being returned to the vendor...

  Low profits wouldn't be the problem of CC processor.  Low or non-existent
returns might be a good leveraging point.

  Your guess of the process is probably better than anything I could come
up with.

  While we're on the topic, anyone know where I can get a copy of iTune's
"Digital Rights Management / terms of service" document?

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Jeffry Houser, Web Developer, Writer, Songwriter, Recording Engineer
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