Are chargebacks a big liability?

My process currently is simple, I take a lead from a customer visiting my website, get quotes for them and then if they book it, I get a kickback from the company I sent them to. I want to take it to the next step and allow them to book the service directly through me which would give me more margin and then I pay the service when the job is complete.

My question here is how risky are chargebacks for services vs products and am I opening the door for too much risk where I would be on the hook? Between the company actually doing the work and myself, it seems like it is more provable than a drop shipping style business but trying to see if the margin would be better than the risk.

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