Now I will give you some solutions you can choose from. But, unfortunately, all of them have some bad consequences, aside the good ones. The best piece of advice anyone that makes money online can give you is testing.

First, the obvious solution: get rid of the refund policy. This way you won't have problems with these scammers anymore and you can continue to make money online without them bothering you. The bad thing is that this solution might reduce your conversion rate, but like I said before, test. You might be surprised of the results and see that the conversion rate stays almost, if not the same as you had before. This has happened to others.

Next, I will give you some tips to increase your conversion rate if you decide to go with the no-refund policy and thus help your make money online business.

One thing you can do to help increase the conversion rate, sometimes even more than it was before you got rid of the refund policy, is to place a text just before the order form telling people that you don't have a refund policy because of these scammers and you don't want your product to end up on their hands. This actually worked out great for others and they made had more sales than before.

Another thing, probably the best, is to use trials for both software and e-books. For e-books, just give them few chapters for free and, if they like it, they have to buy it. Some gave away one quarter of the e-book itself, others even one third. This is a great way to build up credibility. You can even state on your sales page, if you use clickbank for eg., that clickbank reads your e-book to make sure it's all in order before it's put up on their website. This way you kind of reassure people that they will get what they pay for and not just those chapters you give for free and the rest...crappy content.

There is yet another thing, but this, in my opinion, can only be used by people who already have a rather high credibility on the Internet (and probably know this already :) ). The thing you can do is use testimonials instead of refund policy. It works out great for the majority of make money online business owners.

Another solution people thought was a software to disable the product in case of a refund. But this might work with software, but definitely not with e-books, because they can easily be copied to another text document and, in the end, the scammer still ends up with it. This solution is still debated, because, from what I understood, at the moment, there isn't any software that can't be easily cracked.

Well, that's it. I really hope this will help you make money online and defend yourself against these scammers in the same time.