hi rozinx,
unfortunately, chargebacks do happen. nevertheless, DaoPay does not steel from anybody! with DaoPay, your customers use their phones to pay for your products. every purchase is charged to your customers' phone bill. so, the telecomm carriers take their share as does the VAT. DaoPay takes only 2-3% handling fee. that's it. the rest is yours. although, the telecomm carriers take a huge share, you have to consider that many people either do not have or do not want to use credit cards on the internet. without phone payments, you would not be able to welcome them as your customers.
any more questions? write me an e-mail to arnold (at) daopay.com