The reason why most buyers get away with false chargebacks is because the seller is usually too busy to respond to the claim or they don't notice that a buyer made a claim. I had a buyer on eBay who actually had their account hacked so they made a claim and I responded back. PayPal sided with me and I got to keep the money but I still gave him a refund.
RE: How to Protect Yourself From Payment Gateways
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How to Protect Yourself From Payment Gateways