Quailman... You make a good point, something I hadn't considered. However, I'll bet if you offer cash, check, or credit in your sales pitch, the majority of folks will go credit due to ease of process and points in the credit card program of choice. As for the chargeback, if I understand the question correctly, you're asking who pays the processing fee. In that case, the unit is paying for the chargeback, and that will subsequently get taken out of the proceeds from the sales. Since in my troop the proceeds go to the scout account, this means the money really comes from the boy.
TW... Trails End gets 30% of the sales price for the product cost. The units in NCAC get 30-33% of the price, depending on various incentives from council. The rest goes to council, which if my math adds up, gives NCAC 37-40% of sales price. It is up to each unit to decide what they do with their proceeds. Most, if not all, packs put the proceeds towards unit operating expenses, with little to no funds going to the boys. Troops tend to vary, with some taking all, some splitting with the boys, and others giving it all to the boy's accounts.
1st ASM, 2010 NCAC Jambo Troop 521
WB NE-IV-216 Eagle, Beaded 17 June 2010
Unit Commissioner, Goose Creek District