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Re:Ask HN: Why hasn't the ACH system been more abused? by dllthomas on Monday August 29, 2022 @05:56PM (#32644072)
Not always. If customer fraud is low and customer wariness is high, you might well find that providing customers the safety of the option to reverse the charge gets you enough more money that it nets you more overall. Even more so if "finality" of the technology means that users instead turn to the courts to dispute your charges.

There is a narrow sense in which the merchant "always prefers finality" but it isn't the relevant sense.

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