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What sorta "database" are you referring to? The problem I see is that once the customer chargeback they get an immediate temporary credit. If you refund them on top of that you just gave them twice the amount they spent. I had a great relationship with the chargeback (risk dept) at my old merchant account and they always told me not to issue a refund. Either way it still counts as a chargeback on your record if you win or lose.
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