As a point of reference, just about every payment processor will stick you when there’s a chargeback. PayPal is the one most individuals are familiar with, but for businesses there are hundreds of others. PayPal is more forgiving than any of the other processors I’ve worked with. Not only will the others uniformly decide chargebacks against the seller, but they’ll also charge the seller a penalty fee for the chargeback. Crazy behavior considering the gateway/processor are the ones who allowed the charge to go through.
A few years ago we had a batch of orders come in from Algeria. We shipped the first order, it was delivered in Algeria, and then BAM, a chargeback. Shipping address was Algeria, billing address was incorrect, buyer attempted multiple totally different cards before one went through. The successful credit card belonged to someone from Australia. Seems like all of that should have been a red flag to the gateway/processor, but no. They allowed the transaction to go through, decided the chargeback against us, and charged us a penalty for the chargeback.
Counterpoint: we just finished a chargeback process with PayPal. Customer in Idaho ordered some gear, received the gear, then opened a chargeback saying he didn’t place the order. The gear was shipped to his billing address on the card, no less. We gave PayPal the tracking information for the shipment and told them the customer is welcome to return the merchandise for a full refund and we’ll cover return shipping. PayPal said we met all their requirements for seller protection and they will cover any costs or penalties associated with the transaction.