Intuit Merchant Services and Phone services

[Inmemori]

I went through this with PayPal.
This type of service is considered a high-risk for charge backs.
You have to make your refund policy, terms of use, and sometimes a utility service agreement that these companies will feel provides adequate protection from abuse of charge backs.
Take a good look at your policies and then re-apply.
The whole process is infuriating, but it is for their protection as well as yours... and is a simple matter of paperwork and diplomacy.