Yes. According to Sina's inquiry, credit card chargebacks are a weapon for consumers to protect their own rights and interests, but they will bring losses to merchants. During the process of consumers filing a credit card chargeback, the acquirer will charge the merchant for each chargeback. Transaction processing fees, merchants with excessive chargeback rates will also be charged high fines, which will affect the use of cross-border transaction channels, or even close the transaction channel, causing merchants to be unable to continue to collect payments. Merchants can choose to proceed after overseas customers' credit card refusals. The reason for the appeal is that the customer did not return the goods. After the appeal is successful, the bank will return the transaction funds.