Now, you're wondering: "Does this affect my make money online business?". You bet it does. Some time ago, it wasn't such a big problem, because only few people did it. But, nowadays, more and more people are complaining about these scammers, indicating that this refund policy "virus" is spreading quite rapidly. Today, we can even talk about professional refund policy scammers, who put up lists of products worth thousands of dollars and do "their thing". And this is nothing. Some of these scammers have an incredible nerve. not only that they scam you, but then, they start selling your products claiming it's heir own (this happened with simple products like e-books and scripts) which is a major problem for your make money online business.

Now, you're probably asking yourself: "Can I make money online by selling products and, in same time, keep this scammers away?". Well, there are several solutions, but not without consequences. The obvious solution is to get rid of refund policy, but this will probably decrease your conversion rate. We will discuss this and some other solutions in next part of this article. Stay tuned, we're half way there.

Another thing, probably best, is to use trials for both software and e-books. For e-books, just give them few chapters for free and, if they like it, they have to buy it. Some gave away one quarter of e-book itself, others even one third. This is a great way to build up credibility. You can even state on your sales page, if you use clickbank for eg., that clickbank reads your e-book to make sure it's all in order before it's put up on their website. This way you kind of reassure people that they will get what they pay for and not just those chapters you give for free and rest...crappy content.

There is yet another thing, but this, in my opinion, can only be used by people who already have a rather high credibility on Internet (and probably know this already :) ). The thing you can do is use testimonials instead of refund policy. It works out great for majority of make money online business owners.

Another solution people thought was a software to disable product in case of a refund. But this might work with software, but definitely not with e-books, because they can easily be copied to another text document and, in end, scammer still ends up with it. This solution is still debated, because, from what I understood, at moment, there isn't any software that can't be easily cracked.

Well, that's it. I really hope this will help you make money online and defend yourself against these scammers in same time.