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Have you considered making one of those decision boxes that says something to the effect:

"I understand that I am going to be charged $xx.xx at this point and that there is a NO REFUND policy as the information provided is time sensitive.. etc, etc.."

I stopped offering the subscription payments and they are gradually working their way out.

I started offering one-time payments and giving a choice of using PayPal or another payment processor - Clickbank.

About 95% of my sales now go through Clickbank. I view it as kind of "poetic justice" - PayPal wasn't merchant-friendly and they are losing potential income as a result.

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