I have had Chargeback Protection enabled since it became available, pretty much all of 2023. I have had 4 chargebacks in that time, all "unauthorized transactions." As required by the Terms and Conditions (T&C), I provided order information for all 4 chargebacks, including website activity logs, and even click tracking to show that the (fraudulent) buyer clicked an email link to retrieve their digital goods. Of those 4 cases, none were covered without my having to contact support. The first case, I contacted Support and they opened a PET ticket and eventually refunded the transaction amount and fee. The second case, they did not cover but provided a "one-time courtesy account credit", and the last two cases were denied coverage because I supposedly did not provide evidence that the product was delivered. None of these chargebacks were "item not delivered" and I'm not sure how you are supposed to show that you delivered a product to an identity thief using a throwaway email and bogus postal address. According to the T&C, as long as I provide requested information for "unauthorized transaction" chargebacks, I am covered. This is clearly not how it works in reality, and I'm not getting what I'm supposed to for the extra 0.4% I'm paying on every transaction.
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