> Work with a large company who won’t pay your 30 or 45 day invoice for 90 days before you broadly decide this.

I have had this experience. I don't see how a chargeback would've helped. Typically, you would invoice someone for time you've worked for them, or sometimes you buy a product from one company and invoice another for the expense.

Chargebacks don't help you get a company to pay your invoice. Debt collectors do.

In any case, this is something different from refunding a purchase as a customer, which was the topic at hand.