In order to be competitive, a payment option by credit card (beyond ACH and Debit Card) would be a great addition. Why is this not offered?

While credit cards offer unparalleled convenience for consumers, the underlying economics for merchants are often unsustainable. This guide explores the strategic reasons why many businesses choose to restrict payment options to ACH and Debit, focusing on the impact of high interchange fees, the volatility of chargeback disputes under Regulation Z, and the stringent reserve requirements imposed by card acquirers.