Super late, but the analogy is eBay/Amazon seller. With tangible goods, it's way more obvious that, if the seller delivered, the chargeback should fail. As the

Super late, but the analogy is eBay/Amazon seller. With tangible goods, it's way more obvious that, if the seller delivered, the chargeback should fail. As the writer of the article points out, proof that the "seller delivered" wasn't strong enough so the chargeback went through. This is a poor case of Upwork <> Mastercard/Visa/etc company. It is is much easier to see in the eBay example, that if the chargeback was successful it's the seller's problem. This keeps the credit card fraud system "turning". Clearly "Proof of Work" is a huge issue. Even if Upwork 100% says the guy did all the work, the credit card company can still judge "no" and everyone is SOL.