the whole "we only accept Zelle because paypal is bad for 2a" is a shit compromise.
The majority of FFLs, gun shops, and ranges have credit card processing. Its not that hard to figure out.
If they want a non-refundable payment method, that to me is a scam.
Especially in the current world of "we'll ship it when we can, stop asking", no thanks.
Last year, I ordered a shot timer from AMG labs...countless bullshit from that guy, 6 months later. I got an email at one point telling me that the "components were OOS" on the regular model I ordered, but if I upgraded to the other model, he'd have it shipped right away. He included his cell # in the email as well and encouraged reaching out about it.
I was tired of waiting so long with nothing...so I emailed back and called, both saying, I'll pay it, I just want a delivered product. Never heard back either. Lucky for me, my bank showed mercy and let me get my money back even though it was outside of the norm of regular chargeback period.
On the other hand, I bet those here who dealt with scott at liberty optics, will similarly tell you first hand, that a credit card used as the payment method was their only saving for avoiding thousands of dollars of loss.