Sorry, Visa and Master-Cleanse apply extra penalties to companies that sell e-books, which is ok, but then they apply them to other products that the same company sells.
It might be one thing for them to take the money back out of our account for a $12.95 e-book without advanced warning or notice and no recourse, but sorry, can't have that for a $300 zapper or for a $1000 FG.