Earlier quoted context omitted.
A credit card? That... makes some sense, then. I'd be wary if anyone trying to pay with one of those as well; they're much too rare, and I've heard it's easy to unilaterally reverse charges. Hetzner is a German company. Credit cards may be common in the USA, but they're not anywhere else.
I haven't done business in Germany or used German banks -- is it hard to get them to reverse charges?
When I pay for something, now the other party has the money, that's how money works. If I trust them that little, I should probably be using escrow but this costs extra and so it imo doesn't make sense to pay that fee for every transaction - as one does with this chargeback guarantee thing. Probabilistic societies where you're excluded based on bad odds or credit scores is what you get with that system (I've been on the losing end of that, not because I've ever had any debt (too little money) but precisely because they had no positive data because I never needed a loan, and so you can't pay for stuff in certain countries because they require a credit card)