Why? Because I don't want the inconvenience. If I call up and complain about unrecognised charges then my card is cancelled, then I have to wait 5 business days

Why? Because I don't want the inconvenience. If I call up and complain about unrecognised charges then my card is cancelled, then I have to wait 5 business days minimum for a new card and also a new pin to be issued. If you want my business and my money then get a proper credit card processing terminal, there are plenty of other merchants around.