That's not how chargebacks work at all in my experience, from the point of view of the company getting charged-back. I worked for a indie small retail store tha

That's not how chargebacks work at all in my experience, from the point of view of the company getting charged-back. I worked for a indie small retail store that also sells online, and I was the guy the owner would give the chargeback notices to and was told to "figure it out". No matter whether a chargeback for an in-store charge or an online order, the credit card company never once granted it the store's favor in all the times I tried. Further they require a lot of proof, more proof than we could actually provide. For weborders, simply showing them the weborder and the tracking info was not enough. They needed _proof_ that what was ordered was what was sent, which we couldn't provide because we weren't taking photos/video of us packing the products. For chargebacks on in-store purchases, it was just as burdensome to present proof. I even had one time when the customer emailed saying she did a chargeback by accident, and I provided that email and what records of the sale I had from the POS system, and the chargeback still went through. (Also, a bit of a side-point: The chargeback notices always had a VERY short window during which you were allowed to contest them. In most cases we had about 5 days to respond, but sometimes the notice wasn't delivered until after the respond-by date.)