Talking about CC is a distraction, because the meaning varies in different countries. (debit, credit, post-office, chequing, etc)
The majority of SaaS startups rely on friction free recurring payments. An even larger number of companies have a subscription model; e.g. Spotify, Team Treehouse, Soylent, Birchbox, Makespace and Netfix. Then you have all the 'One Click Purchase' companies like Uber...
The list of companies you can screw over with unnecessary regulation is extraordinarily large.