[timmaxw]

> refusing charge backs is too easy

That doesn't sound right...? Credit/debit card chargebacks are handled by the bank. If the merchant doesn't pick up the phone, the bank will take the money from the merchant and return it to the customer.

https://www.usatoday.com/money/blueprint/credit-cards/credit...

Were you using a different payment system with fewer consumer protections than credit/debit cards?