I found more info about the chargeback process here: https://www.dalpay.com/en/support/chargebacks.html

Basically, merchants get the short end of the stick, even if they've done nothing wrong

Not only we don't get the money paid, but we have to pay extra $20 fee per every transaction that was cancelled.

Huh, that sounds crazy. Who do you need to pay this to? PayPal, Amazon, Steam? Would love some more information about this.