There is no such thing as chargeback because banking system runs on top of free, irreversible wire transfer, not credit cards.
The system is better because it's easier to trust established seller than to trust random buyer. Malicious sellers are very rare. Instead of chargebacks there are other protections:
a) Even 10$ items are treated as criminal offense (fraud).
b) Buyer can return anything in 10 days.
c) Sellers and buyers are linked to national id card which is hard to cheat. Police has 95+% success rate finding fraudsters.
d) Auction site has buyer protection, but it requires reporting on police.
This problem doesn't exists in Poland.
There is no such thing as chargeback because banking system runs on top of free, irreversible wire transfer, not credit cards.
The system is better because it's easier to trust established seller than to trust random buyer. Malicious sellers are very rare. Instead of chargebacks there are other protections:
a) Even 10$ items are treated as criminal offense (fraud).
b) Buyer can return anything in 10 days.
c) Sellers and buyers are linked to national id card which is hard to cheat. Police has 95+% success rate finding fraudsters.
d) Auction site has buyer protection, but it requires reporting on police.