Indeed, but it's odd that creditcard companies are so hard on merchants. Surely they could just offer some program where they hold payments in escrow until the transaction is final and just subtract chargebacks from the escrow account as necessary.
Something like Apple Pay, that is rooted in a biometric/pin-verified payment (low fraud) rather than “enter your card number manually” (high fraud) would be a godsend for the industry, since it would detect the lie in the fraudulent chargebacks as described above.
Human beings in many world cultures are such a huge pain when it comes admitting and openly talking about paying for sex and sex-tangential things, that I can understand and grudgingly concede that higher processing fees are necessary. I do not know if they need to be 25%, but they do definitely need to be higher than for other industries.