This might be an idea you can use, it gives your customers another way to pay (with NO Charge backs). With SelfBank Mobile - Now use can use PayPal, Credit Card or Cell.
It allows customers to use their cellphones to purchase goods or services with Mobile Commerce (M Commerce) from a Merchant.
Currently, you could give a prospect/customer $100 for opening a Free Account. They would enroll at a site like this (with your ID)
http://CellBankNow.comFor additional Information on how it works, check out
http://CellBankNow.infoI will be using it on my stores. Just for enrolling (Free) I will give you $100.