I'd also guess that the Processor/CC Companies likely charge a bit more for this specific 'industry'; Processors and CC Companies often look at the products you

I'd also guess that the Processor/CC Companies likely charge a bit more for this specific 'industry'; Processors and CC Companies often look at the products you are selling and what the overall risk is for things like chargebacks. This is part of why a lot of mom & pop shops still have a 5 or 10 dollar minimum for card transactions; When I worked at a computer shop in an almost-sketchy neighborhood our minimum fee was Two whole dollars. Given the frequency of refunds and the like, I'd assume Epic is probably not making much, if anything extra on top of this. This may actually close a ban-hopping/stalling gap. I've seen people claim that if you do a refund for an App store purchase, the publisher may not even know about the refund for 2-3 months after it was requested/granted. This likely shortens Epic's time to react and ban people for requesting fraudulent refunds.