What I don't understand, is on most if not all my webapps, I offer 100% refund. It is clearly listed, and they don't even have to be logged in, just put in your reciept. It is clear on every single part of the page as well, even the contact form has it. Yet I still get chargebacks
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I suspect that some people just see the charge on their CC and can't figure out where it's from or don't remember making it. A few of the folks who have charged back purchases from my business have specifically said this (and offered to withdraw the chargeback) when I reached out to them about it.
This is important - you should check what your business appears on people’s statement as and make sure it’s recognizable. I’ve had business bills come is as completely unrecognizable companies that turn out to be entirely legit after doing some searching.