Thanks for the replies. Does coinpayments or bitpay do chargebacks or is that not possible?  I freelance write and customers have a nasty habit of having me write for them then generating a chargeback so i worked for nothing.  Another reason I kind of liked the bitcoin idea. 

So aside from market fluxuations and fees, what are the pros/cons of using a bitcoin processor like coinpayments vs just transfering money from my wallet to whereever? I like the idea of being able to choose where the bitcoin goes (eg. btc ATM or exchange1 or exchange2...etc).

Also, I know its not possible to be "anonymous", but what exchange offers the best privacy from public domain?  I had a papyal customer somehow get my phone number and address and they sent me a text asking if they could come to my house and discuss project. wtf? Maybe I am wrong for thinking this, but I feel like nobody should be able to get my personal info unless they have a court order or something.  But hey, this is 2019.