I used to run a computer store. Did not take credit cards as we couldn&#x27;t afford the service. Got hit with a lot of bad checks. People take advantage of small businesses in that way. We couldn&#x27;t afford a fraud scanning service or credit check in 1995-1997 and went out of business as a result.<p>My friend with the computer store that took credit cards, the card scanner was supposed to check if the card was used in fraud and all of that. He got hit by people using the chargeback to get free computers so many times that he got black listed. Getting the checks for fraud is hard as one can do a chargeback multiple times and it doesn&#x27;t count as fraud.