Yeah. It really is a drawn out process for s company to get a non legitamte chargeback undone. At least with credit cards it is. PayPal may be less of a hassle. One computer repair place I used to work out I encountered this. Someone was unhappy with legitamte work done, simple work at that.... Flat rate fee he agreed to beforehand but for whatever dumb reason he did a CC chargeback. I saw the paper work that my boss had to do in order to fight it. Definitely a big annoyance.