关于不接受信用卡作为支付方式以避免退款的想法如何？
我目前不接受信用卡或借记卡作为我的软件即服务（SaaS）的支付方式，以避免产生退款费用。我看到一些文章（比如 https://www.reddit.com/r/paypal/comments/1juoa18/client_issued_a_chargeback_after_over_a_year_what/）提到客户在一年后仍然发起退款。根据我的理解，如果我在一年内收取12笔付款，1位客户可能会对所有12笔付款进行退款，总额为12*15=180美元。这对一家小企业来说似乎是很大的责任。
我只接受印度银行的统一支付接口（UPI）或网银支付。这可能有些限制，但我不必担心每笔收到的付款会损失15到30美元。
您对此有什么看法吗？
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I am currently not accepting credit or debit cards as payment for my SaaS to avoid chargeback fees.<p>I have seen a few articles ( like https://www.reddit.com/r/paypal/comments/1juoa18/client_issued_a_chargeback_after_over_a_year_what/ ) mention that customers issued chargebacks even after 1 year. As I understand, if I take 12 payments in a year, 1 customer can potentially chargeback all 12 payments for a total of 12*15= $180. This seems like a lot of liability for a small business.<p>I am only selling with UPI ( Unified Payments Interface ) or net banking with Indian banks . This may be limiting but I do not have to worry about losing $15 - $30 for every payment that I receive.<p>Do you have any views to share on this ?