[LatteLazy]

Devils advocate: this penalises businesses with a LOT of refunds. Which is probably a good thing. Because they generate a lot of work for square and are doing something wrong commercially (misadvertising?). And SHOULD be discouraged...

[gowld]

What work do they generate for Square?

It's not really "Devil's" advocate to advicate for the current standard practice across the industry.

[LatteLazy]

Dealing with disputes usually requires a lot of human manual intervention and had a high rate of bad publicity.

[nerpderp82]

Refunds, not disputes.

[LatteLazy]

Disputes are how refunds start, no?

[paulmd]

No. If the payment has been refunded you have no basis for disputing the charge. Why would you? You got your money back, transaction over.