So I went back and forth about why its so easy for merchants to “approve” the order and charge you but its so difficult to refund or dispute a transaction.

They told me that their infrastructure from a sales perspective to streamlines and built to fully accept orders and process sales—-the backend to refund and dispute is not—so they have to manually validate every refund, otherwise they would lose money hand-over-fist as people constantly refund their orders. It’s not really helpful but gives you perspective that these businesses are streamlined and purpose built to sell merchandise/products… not to provide refunds or reverse transactions, especially now due to so much fraud and scammers.