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A portion of cyber thieves, download a digital product, whether ebook or software, only to illegally sell it online at eBay or sell it in "warez sites".
Optimistically, these unprincipled pinches are either prosecuted to fullest extend of law, for infringement of copyrights, or face imprisonment along with heavy fines.
So if you want to avoid getting targeted by cyber thieves (and losing thousands), wisest approach is to conduct business with an e-commerce processor who will protect you against dodgy "freebie hunters" (see http://traffic-engine.net/stormpay for a genuine payment processor).
After all, it is *your duty* to forming your own "refunds policy", not your processor's.
George Papazoglou is the author behind http://cyber-software.com and http://traffic-engine.net This article may be freely distributed / republished, as long as it contains the author's credits and the precise entirety of the provided article, titled: "How to Eliminate Credit Card Refunds from 'Digital Thieves'".