hmm if your chargeback rate is 1% or less, this costs more then a 15 dollar chargeback anyways. at 100 AOV at 1% cback that's 40 dollars to cover what would have been 15 dollar chargeback. also if your description photos and tracking are on point there should be no chargeback you can't win, unless your processes are off.
Big agreement on the just refund vs chargeback and effect possible merchant rate increase or suspension. Would rather cut into profits a bit then have headaches of upset merchant.