I've been reading and doing some research on why there hasn't been a CC/debit card to bitcoin service yet. The big reason seems to be the threat of chargebacks/fraud, and that credit card companies consider buying currency a cash advance so additional fees would apply (although this isn't a problem for debit cards).
So I was just thinking, wouldn't it be extremely easy to prove that you actually delivered the bitcoins by having the agreement written out beforehand that you would send your bitcoins from your address to theirs, and that this would be verified using blockexplorer? Wouldn't it be extremely easy to then prove that you actually delivered what it is you said that you would deliver?
It is being worked on. I, for one, am working on it. I've been turned down by two major credit card processors so far. The problem isn't that the underwriters see this as a high risk model - it's that the underwriters see this as a high-as-a-college-dropout risk model.
Their two primary fears are chargebacks and regulations. For instance, will regulators call it a money-transfer business? If so, then prepare to kiss your business goodbye, because the Established Ones have
lobbied too much to suffer the pains of competition. And if it's technically a currency, another processor told me no can do.
As for chargebacks, well, let's just say it is going to take an AMAZING customer service agreement and a full year of solid credit card receipts (presumably through a less risk-averse processor) before these guys will be willing to then consider bitcoin as a "high-risk model".
I still plan to go ahead with a higher premium processor, but will customers be willing to pay for it? Who knows?