I think the problem is that, as a general rule, it's much more impactful for a person to have their money taken than it is for a business. If the credit card co

I think the problem is that, as a general rule, it's much more impactful for a person to have their money taken than it is for a business. If the credit card company has to err in favor of one of the entities, it's less impactful (to the entity) if it's in favor of the buyer. And then since it costs the credit card money to determine what _really_ happened, they're further incentivized to err on the side of the person who is going to be paying them. And then add to that the fact that there's very little negative (to the credit card company) to clawing back the money from the seller. For the vast majority of companies, "I just won't accept Visa" anymore isn't realistic if they want to stay in business. It seems like every factor pushes them in the direction of "just assume the payer is right".