Warning not to use online payment systems like PayFast/PayGate and all others

I question if any of the payment platforms can add any real value – to merchants, but not to you MR customer? In my opinion they make it possible for **** sites to exist and makes it so much more difficult for a consumer to find a remedy when a problem arises with a supplier. What happened with me recently (and I am sure similar events happens millions of times a month), was that I selected PayGate as an option to make a payment to OnlineCarparts.co.za. After the payment was completed the site crashed and the transaction did not complete on onlinecarparts website. I have now for 3 weeks tried to rectify the situation and PayGate (also indicated as payfast) just claims on their side the transaction is OK and cannot (Actually will not) do anything (I proposed they s**** onlinecarparts as a merchant because they obviously have serious problems they are unable to handle) – If I made the same appeal to Visa or Mastercard and onlinecarparts did not respond (as they did not respond to email, telephone calls and WhatsApp) then the credit card company has cover for that and will take onlinecarparts off the list as a valid merchants and I will get my money back. Therefore, I propose ONLY Use Visa/Mastercard options to make online payments and if a site does not have this option then already start considering them as a micky mouse site/**** or something bad – do not purchase from them.