Chargebacks are won when the other side gives up. They give up by simply not sending a response to us, and waiting to the countdown timer to expire. This can take up to 9 months depending on far a chargeback was escalated.
As a general rule we don’t do up front refunds for goods and services chargebacks. The number of fraudulent goods and services chargebacks we get is too high.
Personally I would recommend using a credit card. Section 75 protection provided by law is extremely strong, and the nature of a credit card means if someone is willing to let you borrow the money originally, they’ll be happy to continue letting you borrow the money while they sort out the dispute.