Thank you for your thoughtful inputs.
dCommerce will be as unbiased as possible. EVEN if paypal and Visa rule against dCommerce's decision; we will rely on our reward distribution mechanism to right any "wrongs".
For instance, let's say a seller was "forced" by Visa to take return and resulted in a loss. dCommerce will take steps within discretion to reduce the damages with a larger token allowance. Please bear in mind, that the direction could go the other way for the seller's benefit.
In future features, smart contracts could also be actively utilized as well as multi-sig options as effective de-risking tactics. This is the beauty of blockchain based payment mechanisms.