I am not knowledgable enough about Square itself to know what they are "disrupting", but their chargeback section in their sellers agreement is no different tha

I am not knowledgable enough about Square itself to know what they are "disrupting", but their chargeback section in their sellers agreement is no different than that of a standard merchant account. Seller liable for all chargebacks; they reserve the right to hold an unknown reserve; charge a larger fee; or close the account. Do they try to differentiate themselves via customer service?