Rebilly is not the merchant bank. For an example transaction, the financial chain would go from the cardholder, to the issuing bank, to Visa, to the acquiring bank, and back to the merchant. Rebilly is not involved in that exchange, as we do not handle the money.
Everyone in that financial chain is ultimately responsible for chargebacks, but the buck stops with you. The exception would be if you had some transactions protected by 3D Secure, in which case, the buck may stop with the issuing bank.
If you have any questions or need assistance with implementing Rebilly, please contact us. You can email us at firstname.lastname@example.org, chat with us or schedule a talk with a billing specialist below.