It also effectively has a minimum payment amount due to the credit card transaction fee structure. And also unlike cash a service can keep billing you. And, f

It also effectively has a minimum payment amount due to the credit card transaction fee structure. And also unlike cash a service can keep billing you. And, for better or worse, the risk is partially put on the business in the form of increased cost (or payment service denial) when a credit card transaction is considered too risky (charge backs). Also there is a fair amount of friction to giving payment info than say pulling out your wallet or phone (but this is improving with “digital wallets”).