A chargeback is a cardholder disputing a payment through their bank, which pulls the money back out of your account. Even when the order was delivered in full, the amount is debited, a dispute fee is added, and the case counts against your processor's ratio. Cross the threshold and you get a warning, then a reserve, then termination. SMM panel chargeback prevention has three layers: controls before payment clears, evidence generated on every order, and a ready-made response file. The cheapest fix is a billing descriptor carrying your brand.