OK, As I see this posted everywhere that people are loosing case's left right and center regarding virtual goods I decided to post this. Recently I had a transaction with involved virtual goods / service. I paid someone some money to upgrade the template on my site, After a couple of weeks of excuse after excuse I decided to file a claim, But knowing that if I just stated that the reciever was offering a virtual goods service and they will side with him (as Yes I have also lost money this way before) I decided to word my complaint that would include I was waiting for physical goods. My complaint was on the lines of: I Paid Tim XXXXXX The sum of $XXX To upgrade the template on my website I have tried several times to contact him in regards to completing this service but I have either had an excuse or no reply, Now I know this is virtual goods BUT I also agreed with him that he would send me a CD with the content on so this would then be Physical Goods. The reply goes on abit but they accepted that the CD was sufficient enough to make the transaction for Physical Goods, Now im not saying this will work all of the time but its a step in the right direction, So I would now to try and safe guard against chargebacks from Virtual Goods, Agree or State that the item is also Physical Goods in the form of a backup CD. Hope this helps