why does nobody talk about chargeback
Question in the title, detail here: why does nobody talk about chargeback. Pasted rather than typed the address, then checked the first and last six characters. Habit now. The sequence that makes this boring, which is the goal. Ask which networks are accepted before you order. Pick the one with a sensible fee at that…
Rate quotes expire because the underlying rate moves. A short expiry is ordinary; urgency about your decision is a separate signal and should be read separately.
What is and is not the supplier’s fault, since this board generates unfair complaints.
Not theirs: the network fee, chain congestion, confirmation time, the rate moving between quote and send, and a payment sent on the wrong chain. Theirs: which networks they accept, how quickly they credit a confirmed payment, and whether the address they gave you was correct and communicated clearly.
Keeping those columns separate makes the reports here far more useful. A thread titled "supplier took my payment" that turns out to describe forty minutes of unconfirmed transaction helps nobody and follows people around for years.
ask which networks they actually accept before you order
Right, and confirmations are the status. "Sent" means nothing until the chain agrees.
escrow arrangements are rare and worth asking about
escrow arrangements are rare and worth asking about
Disagreeing here: that is a network fee at a busy hour and it is not the supplier’s doing.
Push back: an unconfirmed transaction is not a missing payment. Wait for confirmations before escalating.
nobody legitimate needs the payment in the next ten minutes
Memo requirements are chain-specific. The chain you are describing does not use one.
Confirmations are the count of blocks built on top of the one containing your transaction. Until there are some, the transaction is not settled in any meaningful sense.