My first purchase through PayWithChip was my Google Home Max, I suspected the first one was defective because after a brief power outage, it forgot all of it's settings, so I had to start over. According to Google that wasn't supposed to happen and they suggested I return it for a new one.
I found PayWithChip very supportive, they even got Best Buy to pay for the return shipping. Considering how heavy the Max is, that's not exactly cheap.
I didn't even have to drop it off, they arranged for UPS to pick it up, after they did, PayWithChip kept me updated as to the status of the exchange. The new Max arrived a week later.
On the Amazon side of things, their returns page used to be broken because the line of objects including the check box to select an item for return were coded in such a way that screen readers saw it all as one single object making the check box inaccessible, preventing you from completing a return unless you get sighted help to tick the check boxes with a mouse. That was a problem for at least a year, but they recently finally fixed that page. But it is still a pain in the butt for screen reader users.
As a way to protest the way they reneged on the deal with PayWithChip, I was going to delete my card from my Amazon account, but discovered that they no longer accept PayPal as a payment option. I could delete the card anyway, but the next time I have to order from them because I can't find what I want in the PayWithChip marketplace, they'd just add it back again. Most online retail sites give you a check box to indicate whether you want them to store your card or not, not Amazon, the only way to avoid giving them access to your credit or debit cards or bank accounts is to buy gift cards and redeem them yourself. I can check this weekend, if Publix, a grocery store, carries Amazon gift cards, I just may go that route.
Amazon is the 800 pound gorilla I no longer trust.