[benmorris]

I'm thankful to have a very low percentage of chargebacks for the amount of transactions I process.

However,the process sucks. These days if a customer wants they can essentially get whatever they buy for free. I've gone down the rabbit hole several times leading up to arbitration and given up. In most cases it is a few hundred $ so it just isn't worth the fight. I 'win' the first round most of the time, the issue becomes if there is a second dispute for the same transaction, that is when it becomes nearly impossible to win without more compelling evidence.