One of the many unintended side-effects of government-instituted procedures to combat the spread of COVID-19 is the tremendous spike in chargebacks and disputes. Disruptions in the global supply chain and deliveries, staff shortages during the lockdown, and negative cash flow have resulted in significant delays, and sometimes total failure, in delivering goods and services. No industry is exempted from the economic shocks of the pandemic. According to Statista, the global Gross Domestic Product…