|A charge back doesn't immediately make the merchant eat the cost. The merchant has a chance to rebuttal the dispute (show proof of purchase and delivery &c). I

|A charge back doesn't immediately make the merchant eat the cost. The merchant has a chance to rebuttal the dispute (show proof of purchase and delivery &c). If the merchant did nothing wrong the card issuer eats the cost,| Absolutely, but it remains a strong consumer protection. Certainly a 'plus' on the consumer side at the end of the day.