About 98% of my business is conducted over the phone and paid by credit card. I've done this since 1994. I still take checks and MOs and of course cash, but the cards are how business is done these days. A friend of mine has a gun shop and he flat out refused to take cards, he nearly went bankrupt before his co-owner wife forced the issue. Now he never can keep guns or ammo in stock. People just don't carry cash anymore. Don't get too concerned about charge backs. The complainer must prove their case AND prove you did not act in good faith. If you do business fairly and honestly you have little to worry about.
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Today's Featured Article - Seeing an Old Friend - by Joe Evans. Dad had a concrete contracting business starting in 1960. One of his first pieces of equipment was a Ferguson TO-35 with a Davis loader. Dad replaced the TO-35 with a MF 202 Workbull, essentially an industrialized Ferguson 35 I am told. Dad bought the 202 new in 1962, and I recall quite clearly going to the dealer with him to sign for it.
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