Chargebacks are a pain to deal with. I was involved in a business for six years, and had to deal with this situation on occasion. I noted a pattern: 90% of t

Chargebacks are a pain to deal with. I was involved in a business for six years, and had to deal with this situation on occasion. I noted a pattern: 90% of the chargebacks were initiated by AMEX customers. AMEX makes it very convenient and easy for a customer to request a chargeback. It can sometimes be "I don't recognize this charge/company..." -- and that's really frustrating. You don't have much time to respond to the request either. If you are legit, you'll generally win the disputes, but you have to respond and have your tracks covered. Small businesses aren't always organized enough to respond in time and lose these disputes simply because the response wasn't a priority. I actually think there is an opportunity for someone to tackle this problem (streamline the process, have template responses, backed by business specific data points, etc...). If you have too high of a chargeback ratio, you will get cancelled. I think you might be worrying about something that you don't need to worry about. As long as you are providing a real service/product and not out to rip people off, you will be fine.