> may I suggest expanding your other credit facilities such as lines of credit and loans, to allow you to navigate these sorts of situations, especially during

> may I suggest expanding your other credit facilities such as lines of credit and loans, to allow you to navigate these sorts of situations, especially during Q4. The story state of credit card payments forces this solution. Card payments are not your money, it's a statement of intention that someone wants to receive your product, try it out, and then pay for it only when they have found it completely satisfactory. Your processor cannot simply launder that to hard cash and be on the hook when a large wave of chargebacks comes crushing in. Surely there should be a way to do consumer protection better and more granular, with an actual dispute resolution system.