It's the customer credit card company that will make the decission on the charge back. The merchant provider only shuffle's the paperwork, and has no say in the chargeback.
Some credit card companies will give the customer a chargeback regardless of documentation. I had one chargeback, and I had confirmation of banking detail, delivery confirmation, and proof it was not fraud, and the customer still won the chargeback.
What is needed is a database of credit card companies, and how likely they will honestly try to resolve the dispute process, without bias.
A: Will examine the documentation and truly handle the dispute process in an unbiased manner based on documentation.
F: Gives the customer the chargeback no questions ask, just to stop there whinning. Don't submit a chargeback dispute, our customer service staff will just shred it without looking at it.