This is infact quite common, as downloadable "ZIP" content is "high risk" as there's no tangiable goods involved, you will be required to pay the high risk fees to both Visa and Mastercard. Unless your sales don't warrent payment of the $1750.00 there's no way I'd not pay it if the option is there. You'll lose too many customers if you remove the option IMO.
It is pretty sad that they lump us into the same class as a membership site that generates chargebacks and refunds left and right just for having downloadable content, but that's the way the cookie crumbles.
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