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For business
Disputes are priced separately, charged whether or not you win, and are a real reason to prefer an expensive rail.
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A chargeback reverses the payment and usually adds a fixed administration fee that you pay whether you win or lose. The fee is frequently larger than the acceptance fee on the payment itself, so a low dispute rate is worth more than a low headline rate for many businesses.
Instant bank transfers and wallet payments are typically irreversible. That removes chargeback cost entirely and removes the buyer's protection with it, which is precisely why buyers are more reluctant to use them with sellers they do not know.
For a business, the right way to read this is as a risk transfer, not a discount: you are cheaper because your customer is carrying the risk.
Prices change. Everything here is explained against live fee data, so you can check any of it directly.