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that's the thing; businesses don't want to have to rely on the court system to get refunds.

the x% CC processing fee is essentially fraud/non-payment insurance

That's the thing; lots of businesses outside the US have no problem using bank transfers. I only have a credit card for internet purchases outside Netherland; every Dutch site (including many international ones, like Steam) supports iDeal, which is far safer than credit cards.

Not really safer

"There is no chargeback right however, which can be considered a disadvantage for the consumer using this payment method."

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