[tmcz26]

Look up “chargeback guarantee”. A lot of fraud vendors do this. Costs 2x or more though than the average transaction

[nebezb]

You’re describing insurance on the merchants side. The post I was referring to described insurance on the consumer side.

[latchkey]

> Costs 2x or more though than the average transaction

That's because they compete with credit card companies today. Make them more popular and I bet their costs would come down.