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This was our most difficult barrier to success - making people feel safe giving credit card information over the internet. This was to cause the dissolution of ZZYZAX. As we struggled to get approval from credit card companies to accept credit card payments to ZZYZAX (with 90-day holds of funds, and 20% charges, because of concern about fraud), our customer surveys showed that people didn't trust ZZYZAX enough to order products on-line.