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> 1) Chargebacks -- people chargeback the shit out of these kinds of transactions.

So perhaps offer a payment system without chargebacks? Direct bank transfers also do not offer chargebacks and people use them for payment for goods and services.

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In the US, the most common ACH debit and credit transfers can be “returned,” which is similar to a chargeback. This is covered by Subpart A of Regulation E of the Federal Reserve. Only “wire transfers” such as Fedwire and SWIFT transfers, which consumers rarely make here, offer final, irrevocable* payments the way many other countries’ normal domestic transfer systems do.

* Meaning they can’t be undone through the payment system. Sometimes it’s possible to sue the recipient or recover the money in other ways.

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