Do you really need to use this "points" system to protect yourself from liability for the quality of the product? There are many other companies that take credit cards for other businesses, and they don't do this--for example, Digital River, 2CheckOut.

There's "price" to this point system. It's looks weird to the customer, and is probably a barrier to sale to some extent. I can't say what percent of customers abandon shopping carts because the point system seems tricky and confusing and erodes their confidence, but I'm sure it's above zero.

Have Digital River, 2CheckOut, or any of the dozens of other similar companies EVER been sued for problems with a product or service sold through them? Has PaySystems ever had to deal with such suits? There should be a very good reason to have a barrier to sale like this point system. I'm afraid it's just one of those over-cautious, deal-killer, maneuvers that lawyers are so famous for.