Dealing with refund requests is easy. The problem is customers who request chargebacks from their banks instead of requesting refunds from you.

Payment providers usually contest such chargebacks automatically. This ends up costing you a fee. And if you lose the dispute, or issue a refund as a matter of course, these chargebacks contribute to lowering your account's reputation. If this gets out of hands it can put your ability to receive payments in jeopardy.

What would be much more ideal is that, when the bank signals that one of its customers is contesting a charge, the payment provider would simply refund the charge without questions. And, assuming refunds (and chargebacks) are the exception rather than the rule, without the process lowering your score.