Thanks for your feedback!

We're still figuring that out. It's a challenging topic to tackle at our small scale.

Essentially, for a merchant, the idea would be to guarantee a certain amount when initiating a transaction. From our side, the best we can do is to implement a decision layer that could assess the likelihood of that event occurring. But overall, it’s a very good point!

I don't think there can be disputes or chargebacks, just like with any other direct bank payment method. Disputes are a service offered by CC companies to keep customers using their cards. Otherwise disputes are handled by a court of law.