@ raraz: I've noticed you have posted this concern or similar ones in more than one thread/category in our forum. Why are you so stressed over this? Is there a particular reason for you to be overly concerned about chargebacks?
It is a bit of a risk for all businesses these days, but if your products & services are good, you shouldn't get too many or any chargebacks at all. Also, try avoiding electronics and luxury items (like Guess jeans) as these product category seems to get more scammers.
@fudjj: You back now? Hope you're doing better :)