A smart contract could also include the ability to refund games if needed and the payout can be held in escrow for a short time to accommodate for situations like that.Makes sense. You can probably offer a small discount when the user uses a more 'preferred' payment method, so you don't end up with 98% users using CC anyway.
By the way there is no reason to deal with the complexity of smart contract at first... the most prominent issues associated with crypto are not really solved by smart contracts. The issues are:
1. Buyers laundry illegal money via crypto. For example, someone stole a credit card or even a physical vouch card, then they buy games through your shop, then they resell the games/account.
2. Sellers simply don't deliver the promised product.
A Steam-like system kind solved 2 (manually review the game + a refund policy + holding the devs' money for certain amount of time + $100 initial fee). But obviously it's quite a hassle as well...
I don't know if there is a real solution to 1.
People also use stolen cards and launder cash without crypto so it doesn't really matter, people will do it anyway. Even "normal" stores deal with that problem all the time via things like "friendly fraud".
Yeah it would probably work for a while but definitely not forever.in the beginning (it will take at least an year for them to have you on they're radar) i don't think we can skip CC companies , but using a middle man should be enough for the site to be ok long enough to find an alternative.
and maybe something with more knowledge in that regard can give us some ideas