My experience here is from running an ecommerce store.. so we actually ship the product to the customer. I believe banks would accept digital proof as long as

My experience here is from running an ecommerce store.. so we actually ship the product to the customer. I believe banks would accept digital proof as long as it established: 1) the cardholder made the purchase; 2) the cardholder received and/or used the digital goods. But that is really only useful if the cardholder says they did not receive the license key/digital goods. If they say you misrepresented the item, or they did not make the purchase (because their card was stolen), then I can't imagine how you would dispute the chargeback. And in that regard, PayPal is the same. If the PayPal user says their PayPal account was hacked, and they didn't make a number of transfers.. PayPal will undo the transactions.