I'd like to provide here an abstract from my dispute with the support desk at
https://www.coinpayments.net payment gate.
Here:
Coinpayments.net Support..I'm sorry to hear of this trouble, but the bitcoin network is designed to make chargebacks impossible. Coinpayments never has access or control of a user's bitcoins in any way, which means only the end user has 100% control over his own bitcoins. This means we have no power to stop or reverse a transaction for you.
Me:Dear Mr Data (this is how he introduced himself to me),
I know and fully understand what you say.
I just cannot see ANY SLIGHTEST sense in your being as an intermediary payment processor between sellers and buyers. With the same "success" one could just pay (after intense praying) directly on any seller's website. The meaning of any payment gate (processor) is to provide a kind of PROTECTION against fraud to both buyers and sellers. You provide NO protection at all!!!
The problem is NOT the crypto payments are irreversible! The problem is YOU have done nothing to be a honest reliable intermediary by, for example, holding payments in YOUR OWN temporary wallets for SOME time after deals EXACTLY to be able to resolve such disputes!!
Coinpayments.net SupportYou are thinking of an escrow service, not a payment processor. If you want to operate that way you would want to contact sellers beforehand and ask them to use our sister site SetEscrow.com for your transaction instead of a regular CoinPayments payment. Our purpose as an intermediary is to provide an easy to integrate payment system for merchants without them having to run coin daemons on their own insecure and/or more expensive servers or develop custom solutions for themselves. We also provide the feedback system to help buyer's gauge the honesty of the seller.
Me:A regular buyer cannot, and has not to, understand such nuances!
And what "running coin daemons" are saying about??
ALL a seller has to do is just provide his bitcoin address ONLY!!! He doesn't have to run any "daemons"!!!
Just go to site
http://www.bitcoinqrcode.org/ or any similar one , and generate a picture from his address and place it in his shop near the address itself.
NO daemons or wallets needed!!! A seller can create just a watching wallet to monitor his addresses and users' payments