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“My merchant account company said that I in order to protect myself against charge-backs, that I need my customers to agree, or digitally sign something.”

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Short Answer:

We have a feature in the checkout settings to let you do this.

Detailed Explanation:

But you can also consider an alternative which may be easier on the shopper (one less thing to click); and that is to simply add a message to the checkout (on the billing/shipping page) saying something along the lines of “By entering your name below, and clicking the ‘Submit’ button, you hereby agree to our refund/exchange terms.”

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