Clickbank is a force to be reckoned with in the world of Internet payment processing. Like any giant, however, it also has it’s Achilles’ heel.

Companies like Visa and Mastercard see card-not-present transactions, such as Internet payment processing as high risk, and for good reasons. This means the credit card companies themselves have a big say over how companies such as Clickbank run their business.

To help squash potential issues, Clickbank have adopted an easy-refund policy. While this can be frustrating for vendors when people simply take advantage of Clickbank’s policy, some would argue that it is a necessary stance for Clickbank to guarantee it’s future existence.

Will this flexibility lead to it’s ultimate business destruction, however?

While a non-questions asked refund policy, and a never-contested chargeback policy has been adopted by Clickbank, what affect is this having on Clickbank’s staff? The people who process these requests each and every day? Refund errors are starting to creep into the system, possibly because of what can seem like a “refund production line” process.

Clickbank have been making some changes to their system recently to help ensure the ongoing success of the popular payment processor. The question remains, will Clickbank be also reassessing their Achilles’ heel in the near future?