If that works for you I'm glad, but I've had to deal with credit card fraud hitting my service, and it tends to be an arms race. There's simply too much money

If that works for you I'm glad, but I've had to deal with credit card fraud hitting my service, and it tends to be an arms race. There's simply too much money it for them to be deterred. If you are an attractive target it's difficult to find something which prevents credit card fraud without also hurting your business.