From my point of view: Legit.
I used the service a few days ago and the first time I tried, I experienced an error (something like "encryption error").
The next day I tried again, this time a lower amount and it worked.
I also submitted my drivers licence, maybe thats how they "manage the chargeback problem".
Same here I used it and it worked flawlessly. As long as you don’t go over a certain amount, the card usually works fine and the transaction goes through without a problem.