I do have that, and the thing is when a merchant gets a charge back they will be firing questions at you like crazy. The fact that you responded means he should have told you exactly what the problem is. Even after someone files a charge back it takes 2 weeks to process through the visa/mc system before they notify the merchant. First thing the merchant will see is a Charge backfee on there bank account then a letter in the mail with reasoning for the charge back. The merchant should be willing to share this info with you if he wants to get his money back and Visa/MC want this type of resolve its written in most Merchant Contracts. He wants to beat the charge back so he can get that fee they charged him back and keep his chargeback rate down. If you pay him these things will still effect him, so lets figure out what really happened it will be good for all involved.