It seems a bit harsh. The seller has no control over the chargebacks and you actually 'punish' the seller for them and not the buyer. Digital files chargebacks are more common than you think. How do you decide if the chargeback should receive a strike in the even that the buyer simple doesn't answer any contact requests(happened to me more then once). I've also had buyers lie about the purchase when in fact I had IP and email proof that they wore actually the ones buying but the chargeback was submitted(and approved) because they said they wore not the ones who made the transaction. Is anyone else using this 3 strike rule?