Donation/Tip chargeback abuse is a streamer’s worst enemy. 
Worse than that boss battle you’ve been stuck on for weeks.

Worse than epic lag when you’re in the middle of a ranked game.

It may even be worse than stepping on a Lego barefoot.

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When someone submits a chargeback complaint to PayPal, the streamer becomes guilty until proven otherwise. You feel helpless, knowing that even when a chargeback complaint has been filed to hurt you, you’re still going to lose out anyway. And, since chargebacks can be claimed up to 6 months after the initial donation, an abusive chargeback complaint may always be right around the corner.

Escaping from a donation chargeback complaint means that you have to gather evidence trying to prove that the donation was made freely.

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So you just received a chargeback. What now?

Can i simply refund the money to the donor?

Unfortunately, once a chargeback has been made, the option to issue a refund is no longer possible.

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How Much Do They Cost?

Chargeback fees depend on how you processed the payment.

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PayPal Chargeback Fee:

You’ll need to pay the PayPal chargeback fee if the purchase doesn’t fall under PayPal Seller Protection.

The fee is currently $20 for transactions in USD; see the full table here.

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Card Issuer Chargeback Fees:

Unless you go through another service that offers similar protection, you’ll need to deal directly with the card issuers and their fees. These fees depend on the issuer. Some may charge as “little” as $30, while others may charge as much as $100. A PayPal chargeback fee will almost always amount to less.

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PayPal Chargeback Protection:

If a card issuer decides to put through a chargeback and PayPal Seller Protection doesn’t apply, you’re out of luck. PayPal will take the money out of your account along with that $20 chargeback fee.

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Fighting PayPal Chargebacks:

PayPal quite clearly lays out the evidence you need to fight a chargeback that’s covered by Seller Protection. In short, you need:

• Proof that you shipped the item. This needs to include the address shown for the buyer on the PayPal transaction and the date the item was shipped.

• Delivery confirmation from the shipping company and the date the item was delivered.

• Signature confirmation for expensive items ($750+).

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Fighting Credit or Debit Card Chargebacks:

To prepare for card issuer chargebacks, you may wish to gather additional evidence before shipping an item. Consider the following ways to build a bulletproof case:

• Get signature confirmation, even on less expensive items.

• Take photos of the item prior to shipping to demonstrate that it matches the description—and date them.

• Keep records of any conversations with the buyer. If they say one thing to you in a message on eBay and something else to the card issuer, you might be able to use that as evidence against their case.

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Finally, remember that you will always face chargebacks and lose them occasionally. Keep reserve cash on hand so they’ll never put you in financial ruin.

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On that note.

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StreamElements Chargeback Protection List

StreamElements have created an ever-updating list of viewers that file wrongful chargebacks. These viewers are permanently banned from donating, so instead of worrying about malicious chargebacks, you can concentrate on your stream.

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So if you are going to have donations this one is the safe option, you are in risk of getting charge back if they havent been banned yet. But to quote StreamElements:

"We’ve worked our socks off to make donations on Twitch and YouTube better because we think you  should be properly rewarded for all of the work that you put into your streams."