Recently, many of you have asked why we do not support payment methods like Credit/Debit Cards or PayPal. It is a valid question, and today, we want to explain the “Why” behind this decision.

The Challenge with Digital Goods

Selling digital products is different from selling physical items. Delivery is instant, and usage begins immediately. Unfortunately, the digital goods industry is often targeted by a specific type of abuse known as “Friendly Fraud” or chargeback fraud.

Why We Removed Cards and PayPal

While the vast majority of our customers are honest and loyal, we have faced a significant volume of issues with these specific payment processors.

Here is the reality of what happens:

1. Fake Disputes: A user purchases a subscription, receives the login details instantly, and uses the service for the full duration.
2. Post-Expiry Chargebacks: After the subscription expires—or sometimes days after receiving the product—the user files a dispute with their bank or PayPal, claiming “Unauthorized Transaction” or “Item Not Received.”
3. Financial Penalty: When this happens, not only do we lose the money for the sale, but the payment processor also charges us a heavy Chargeback Penalty Fee (often ranging from $15 to $25 per incident).

These disputes are often automated and difficult for digital merchants to fight, even when we have proof of delivery.

How This Decision Benefits You (The Honest Customer)

When a business faces high fraud rates, they usually have two choices: Raise prices significantly to cover the cost of the stolen goods and penalty fees, or remove the payment methods that facilitate the fraud.

This allows us to:

• Keep Prices Low: We don’t have to inflate our prices to subsidize “bad actors.”
• Focus on Support: Instead of spending hours fighting banking disputes, our team can focus on restocking inventory and helping you with your orders.
• Ensure Stability: High chargeback rates can cause payment processors to freeze business funds, which would threaten the existence of the website. Moving away from them ensures AccountBot.net stays online and reliable.

Secure Ways to Pay

We continue to offer secure, irreversible payment methods that protect both the buyer and the seller. By using these methods, you are helping us maintain the ecosystem that allows us to sell premium subscriptions at such competitive rates.

Our Commitment to You

We understand that paying via Card or PayPal is convenient, and we apologize for any friction this causes. However, this policy is strictly in place to protect the integrity of our marketplace.

We stand by our products. If you ever have a legitimate issue with an account or subscription, our Customer Support team is always here to help you resolve it directly—no bank dispute needed.

Thank you for trusting AccountBot.net and for understanding our need to protect our business so we can keep serving you.