> I would imagine all purchases to be a low dispute risk, as the merchant can simply offer refunds to all no questions asked. That only works if you offer a no

> I would imagine all purchases to be a low dispute risk, as the merchant can simply offer refunds to all no questions asked. That only works if you offer a no questions asked refund, and even at that, that doesn't imply 0 risk. Cards get stolen and tested on low value purchases all the time; if a scammer decides to check 1000 credit cards on your app, you're going to have a very bad time.