The reason isn't technical. This isn't implemented because the entire card-processing ecosystem is hooked on the chargeback fees (min $15 to $100). It starts becoming a lucrative revenue stream for Visa/Mastercard/Stripe/Adyen/WorldPay/Fiserv and the entire ecosystem.
Merchant's end up getting the short end of the stick in most cases.
Merchant's end up getting the short end of the stick in most cases.