That was basically my point. The fraud protection works from the consumer side. It is useless from the business side, where no amount of evidence will convince

That was basically my point. The fraud protection works from the consumer side. It is useless from the business side, where no amount of evidence will convince them that you took a payment legitimately. Paypal are the same. They side with the buyer 99% of the time. No proper fraud investigation is even done.