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Who is your merchant account that allowed that?
Have you ever tried to dispute a charge at your credit card issuing bank?
You make the complaint, sign and return an affidavit, agree to close your account and can't use that account for 5 to 10 days until you have received your new card by mail -- that is if it is a real bank and domestic. You have to reset all of your reoccurring payments and other one-click e-commerce sites you use that card at.
If all of that grief is worth $120 to you you are either a broke-dick or retired with nothing to do.
Truth is that all 3rd party payment processors will throw you under the bus to save their merchant accounts. Part of the high cost of doing business when you are a small or micro business person ... That's life --- move on there is notihng you can do other qualify to get your own merchant account and dispute theses charge-backs as you see fit.
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