No... everyone uses a payment processor. Paypal is totally different then a merchant maker like 2co. You're fully covered under a processor like 2co, because thr money IS a payment to alpha. With paypal, you are paying paypal and paypal pays the recipient in paypal dollars.
But it is true that if Alpha disagrees with the chargeback, you will have a fight - but, it's hard to lose with a credit card chargeback if you have half a brain.
I found this about 2checkout
"2Checkout (2CO) is an international third-party payment processor that, at its most basic level, allows money to be transferred from a buyer to you after a purchase is completed. Like its main competitor PayPal, 2CO is the name buyers will see if they check transactions on their credit card bill. The PCI-compliant company offers several features, including recurring billing and custom checkout.
If youre a business that brings in a few thousand dollars per month or less, youll probably earn a higher discount rate from 2CO than whats offered by standard merchant accounts. Another perk of using a third-party processor like 2CO is that youre not held responsible for fraudulent or disputed charges, although you will have to pay a fee to 2CO for transaction disputes"
If this is the case you will not be covered under section 75 as the transaction is being processed by a third party. Section 75 only applies if you take payments via a merchant account directly through an acquirer bank. This means the bank and CC company are liable for the settlement of any disputes, not the third party processor:
"If a cardholder pays for goods using a card and does not receive these goods, the card scheme will refund payment to the cardholder and reclaim this from the merchant (via the acquirer). If the merchant cannot refund the payment, say it has become insolvent, it is the acquirer who is liable for the refund."
Section 75 of the Consumer Credit Act only applies in the UK and is a very specific and powerful form of CC protection. Unlike charge back which is a voluntary scheme, section 75 is part of UK law. Unfortunately any form of third party processing renders it void, some card issuers are more lenient than others so check with your provider if you want to go down this route. Although if your bill says "2checkout" and not "Alpha Technologies" its a safe bet to assume you will not be covered under section 75
