chasing chargeback algorithms
If you're going to reduce costs by chasing the chargeback algorithm, you must commit to chasing the chargeback algorithm. Whatever dance you do around the edges of the rules, you must be prepared to alter your steps as the rules are altered. And you are in control of neither the nature nor the rate of change.
There's more here but it's primarily mainframe-focused, which tells you how long this issue has been extant.