Which reflects some poor planning or a fault with the bussines model . I mean every merchant who is serious about his bussiness factors chargeback into the cost . The whole banks are evil , and to blame for all my woes thing is sad
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bollocks.
You don't plan for getting ripped off several thousand pounds a month as an independent trader. Yes wallmart can plan for those kind of unexpected losses, not one guy on Ebay.
Yes the banks are at fault for not investigating claims and providing no way to dispute.