People wouldnt usually do a chargeback if they have been into the store to collect or purchase an item and they deal with you face to face and as they are recorded on CCTV which is in open view behind the counter - and there is a floor limit so cards need to be phone authorised anyway - I have found they tend to be a lot gamer and will try and get away with it when they are hiding behind Ebay and Paypal - where all they are is a name