You're over thinking the problem. The merchant processor does not want chargebacks either, so when a chargeback is initiated you get a document describing the

You're over thinking the problem. The merchant processor does not want chargebacks either, so when a chargeback is initiated you get a document describing the chargeback reason, and they generally ask the card holder to have some proof that they attempted to contact you to rectify the issue but did not get satisfaction. So, run your business. Do a good job, concentrate on your company. Chargebacks won't be an issue unless you re doing something horribly wrong.