I don't think you understand how merchant processor operate
Actually, I do. Generally, a supervisor handles charge-backs, Paypal, disputes, etc.; however, when one gets really sticky, it's raised to me and I get involved. I made a concerted effort to develop a good relationship with our merchant services rep; when she doesn't know an answer, she'll often bring in a person from an appropriate department to help out.
How would I be able to get the customer to wire funds in which she was attempting to get out of having to pay?
I'm suggesting up-front wires for "problem" customers like this one for future purchases. Obviously, someone is not going to wire funds for a particular charge already disputed.
Also, have you ever had to reverse a wire transfer? I attempted to just once and it is immpossible due to banking regulations
Yes, I have had to reverse a wire transfer. It was difficult but not impossible because our reversal was completely legit. And this is my point exactly, if you want to continue doing business with your "problem" customer, require wires. Reversal is way more difficult than filing a charge-back.
I see you are a consumer, are you a merchant? You don't sound like you know how any of this works but thanks any way. You are absolutely wrong about "if the merchant does eveything right, things most often work out".
Yes - I am the CFO for a retail business with more than 60% of its sales over the internet and another 20% via calls with sales persons. We have a very high win rate on charge-backs. This wasn't always the case. When I came on board, I was alarmed by the $$ of lost charge-backs so it was an item I tackled right away. I became educated on all of the "rules" with our merchant services provider as well as Paypal. I then ensured our Orders Department who actually processes all of the orders was fully trained on all of the particulars. Our win rate on chargebacks is currently 94%.
Now, there are many things I'm NOT fond of. For example on Visa/MC purchases, customers can dispute up to one year after the transaction. In my opinion, that is nuts, but there is nothing we can do about it.