we using 2co for nearly 3yrs and did not relise that 2co got such a policy. usualy this only happen when customer do a cc chargeback then 2co will deduct the amount and the chargeback fee.
Did you ask 2co what was the charge for? 2CO transaction fee is 5.5% of the transaction total, plus $0.45 for each transaction. if being charge for processing fee only should not be $40