Credit card companies still charge merchants "charge backs" on bad transactions, because managing a virtual integer is so "hard" for them. By contrast, the post office returns an entire physical package to you if it cannot be delivered, and doesn't charge you anything for that.
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And of course, by passing on the costs of charge backs, they _ensure_ that credit card companies _won't_ fix the bad design, because they don't have to pay for it :(
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It's also worth noting that chargebacks functionally only affect smaller merchants. I've worked at a company where the event that made us resolve abusive signups was the payment processor denying transactions outright, since the chargebacks were negligible to the operational costpic.twitter.com/aZXN5HZey1
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