i think we recently had a sponsor who was an aussie escrow service, can anyone recall who it was and has anyone used them?
If it's bpay, it's not a credit payment. I don't think anyone would want to do a bpay payment from a credit card, as it would treated as a cash advance, which means you pay the rediculous interest rates from day 1.
As I'm involved with an online shop, chargebacks are a real issue, and can happen for a variety of reasons including using stolen card details. Within Australia it's rare, but from other countries it's far more common.