Earlier quoted context omitted.
But once you have those pictures what do you do? Take them to court?
Would you have to go to court to dispute the chargeback? Couldn't you set up some kind of system to send them to the credit card company if a customer attempts a chargeback, so they can verify that the chargeback is invalid?
As far as Visa and MasterCard are concerned, if you're generating chargebacks on a regular basis, something is wrong with your business model and you must either correct the business model or stop accepting credit cards as payment for it. It's not a question of whether you were legally owed the money or not; it's about protecting the card brands from whatever negative experience you're creating such that customers feel forced to go to their banks and complain about the charges.