[wildzzz]

That's fine for some things but my grandma is not going to buy from an online store that only takes crypto. Crypto as a payment option works well for computer-related merchants or for privacy-focused merchants. Like it wouldn't be uncommon to rent a VPS with crypto but it would be strange for an online candy store to accept it.

[Cider9986]

> That's fine for some things but my grandma is not going to buy from an online store that only takes crypto.

Of course not, unless it becomes mainstream, crypto usage will always be by early adopters and technologists. I don't care if you accept cards as well, I just want to be able to pay privately with Monero.

You're right that for chargebacks specifically the only way to eliminate them would be 100% crypto, not the option of card and crypto together, which is significantly more likely. But there are other benefits for customers(privacy), which is why I use it.

[wildzzz]

ACH payments are another way to eliminate chargebacks. Generally you need to say the payment was unauthorized rather than trying to use it as a forced refund and you may even be charged a fee.