They absolutely are accessories, but mostly by inaction. They probably have insurance that covers them so it's generally just not worth it to get involved - jus

They absolutely are accessories, but mostly by inaction. They probably have insurance that covers them so it's generally just not worth it to get involved - just approve for the claimant and move on. In my last job, the finance team basically didn't bother investigating or challenging chargebacks. The solution was to employ anti-fraud ML services (we used Ravelin) to prevent transactions that were at high risk of chargeback. It was surprisingly effective, but expensive. Sadly, still cheaper than the potential cost of the chargebacks.