If you want to really start the new year off right, then start by adjusting your mindset and becoming a better person in the process by realizing the very real damage you could be doing.

• Chargebacks are not refunds.
• They are not neutral.
• They are not “part of doing business.”

Get those thoughts out of your head. Because a chargeback is, in fact, deliberate financial sabotage, and the data backs that up.

A single chargeback doesn’t just reverse a payment.

On most platforms, one chargeback can trigger payout freezes, internal fraud reviews, or account strikes. Payment processors openly admit that creators who exceed a 0.9% chargeback rate are considered high risk. Cross that threshold, and you’re looking at withheld funds, higher processing fees, or outright account termination.

And that’s not theory, that’s policy.

On top of the reversed payment, creators are usually hit with a non-refundable chargeback fee, often $15–$25 per dispute, regardless of whether the creator wins or loses. That means even when the claim is fraudulent, the creator still pays for it.

Now here’s the part no one likes to talk about:

Industry data consistently shows that the majority of chargebacks are not fraud at all. Studies from payment networks estimate that 60–80% of chargebacks are “friendly fraud,” which are customers who authorized the purchase, received the product or service, and then disputed it anyway.

• That’s not confusion.
• That’s lying.

Platforms like OnlyFans know this. Banks know this. And yet the system still defaults to punishing creators first, because it’s cheaper and easier than actually investigating disputes.

So when someone files a chargeback after consuming a service, they’re not just “getting their money back.” They’re knowingly triggering a process that can:

• Freeze weeks or months of payouts
• Damage a creator’s risk profile permanently
• Push an account closer to termination
• Cost the creator more money than the original transaction

All while the buyer faces almost zero consequences. And that’s got to change.

Let’s be clear about who does this.

People who charge back after willingly purchasing and consuming content are committing intentional misuse of consumer protection systems. They are claiming fraud where none exists. They are fabricating stories because they know banks approve chargebacks far more often than they deny them.

Imagine being such a pathetic loser that you schedule a session, receive it, then call your bank to reverse the charge. What do you say? That it didn’t happen? Was your card stolen? Have you suddenly stopped recognizing your own purchase history?

Sometimes their card gets flagged. Sometimes it gets canceled. Sometimes they wait weeks for a replacement.

Good. That’s not unfair; that’s the system briefly doing its job.

• Because this behavior isn’t clever.
• It isn’t strategic.
• It isn’t justified.

It’s broke behavior. It’s coward behavior. It’s the digital version of dine-and-dash, except instead of running out the door, you hide behind a bank script and pretend you didn’t just consume someone’s labor.

Only absolute losers do this. Period.

Chargebacks like this are not consumer protection. Statistically, they are abused, and creators are the ones paying the price in lost income, damaged accounts, and permanent risk labels.

• If you don’t want to pay, don’t buy.
• If you regret the purchase, own it.
• If you lie to steal it back afterward, you’re not a victim.

You’re the problem.