The issue here is that anyone can request and obtain a refund on Visa/Mastercard/Amex/Discover card networks for a full four months after placing their order, no questions asked. The merchant eats the stolen money, the $35 chargeback fee, and the merchant network fees. I run several businesses and we stopped accepting credit cards, and moved to 100% ACH for domestic US customers, and then we only accept credit cards for non-US customers. The huge difference with ACH is that most banks consider an ACH payment the same as writing a check, which has a three day window of cancellation. After that, there is no chargeback, generally. But in all situations, get as much data as you can from the customer -- signed order receipt, emailed confirmation, IP address, even picture of drivers license. Our chargeback rates have dropped about 10x less since we have implemented these changes, and no loss in revenue.