The idea is behind chargebacks is good, but the implementation is somewhat lacking. An example, my wife has an online shop, and (unsuprisingly) uses Paypal. A company bought an item from her. The transaction went smoothly, they paid, she shipped the item. Unfortunately, the card details they used to pay with got stolen. So they chargedback a number of transactions that has been made with this card. One of them was my wife's. Here's what my wife had to do: dispute chargeback with Paypal; get in touch with the buyer and ask the buyer to inform their bank that this transaction was legit. Then wait 6 months. Eventually she got paid back, bar the PAypal "processing fee", which wasn't a lot, but since the item was pretty cheap, it ate all the profit she made. We tried to get this paid back, but to no avail. Now, it's good that the buyer charged back accidentally and acknowledged it. But there are lots of who do this for profit, and with the broken banking/paypal customer (as in 'merchant') support system, have fun getting your money back. This is why chargebacks might be a problem.