[rickpmg]

My concern with #4 would be with this:

"You don’t have to fight back against chargebacks, they do that for you;"

No way would I delegate this customer satisfaction issue to another company to handle; much less one who doesn't want chargebacks (at any cost.)

[joisig]

I don't have direct experience with Paddle so I don't know whether it's that black and white. Having however experienced a months-long hold on our payment processor account at one point because of an abnormally large charge (a fairly large customer that wanted to pay annually by credit card), I think it could be worth leaving that kind of hassle to somebody else, and have that somebody else be a bigger player that more likely has a better relationship with their payment processors.