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contract and he has no access to the existing merchant account (except the fact that he could charge the saved cards).

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Sorry to say, but clearly you have no idea how these systems work. You can test by yourself by creating a PayPal merchant account and see what happens with that, or via Stripe if you have a company.

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What in my opinion seems strange is that "the merchant" fights the dispute. Who is fighting it when "Eric" states he doesn't have access to it and "Lewis&a

I’ve already hit a wall here. I filed a dispute a week ago, and my bank just told me the merchant (Velox) already fought it. The manager said if my next batch of evidence isn't "perfect,&

* Despite he has partial or full control of Lewis's merchant account and able to mark all the chargeback attempt as fraud

If you paid recently then you can raise questions to payment processors who is actually handling all of it since I think it would be safe to assume you might be afraid that final beneficiary is not th

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He claimed a few pages ago that any merchant can report any other merchant's transactions as fraud.

Velox is not doing that with a separate merchant account - according to what they've said I can only deduct they've (apparently) reused the same Stripe API key and are able to get user data with a GET

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I assumed that, you have made different merchant account for PayPal, Stripe. As it would be a nightmare to mix money from Lewis's era to Benthost's. Or, at least that's what I thought.