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I see this sentiment often expressed on hacker news and it seems to be happening more and more often
The whole scammers thing is true. We have faced it with SourceLair. Thankfully there is 3DS 2 now and you can be super strict with which transactions you can accept. IMO the safest way to go is accept transactions, where you have no liability.

Also, using a SaaS service providing a complete checkout experience can make this super easy for you.