I would really like to know: Did Dwolla actually say "no charge-backs" on their site? If so, who was expected to pay when there was obvious fraud? This is one

I would really like to know: Did Dwolla actually say "no charge-backs" on their site? If so, who was expected to pay when there was obvious fraud? This is one of the benefits of using a credit card online. The CC companies take care of all fraud for you. They make it very easy to dispute charges.