 Big Tech and its derivatives also try to financially soft-kill. This is when someone wants to buy something, but they're prevented from doing it because their payment repeatedly fails. And of course, when the gateways do work, we pay for this convenience with fees. So, don't feed the monster. If you want or have ever wanted to join Caravan to Midnight by card or any other payment service and found you could not process your membership, just send a check or money order to CTM.