[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.