[Canada] Criteria issuers use to accept/reject chargeback claim

I'm in Canada with a canadian business (let's call it ABC). where each time a customer makes a purchase they are bound to a purchase agreement. The purchase agreement states that refunds are deducted by a $2 fee for processing. I have a question.

Let's say I'm a random customer that purchased a service from ABC for $100. I later find out the service could not be rendered and received a refund of $98. So I begin to file a chargeback because I didn't get the full $100.

From what I researched, the chargeback is processed this way:

1. The card issuer collects all documents from the customer supporting his/her claim that he/she is entitled to the $2.

2. Issuer forwards it on to ABC's payment processor.

3. Head of ABC has a chance to review the claim and disputes it by providing sufficient evidence which the banks happily accept.

4. Chargeback is denied and Head of ABC faces chargeback fees.

Is there a chance that at step 1 the claim can be outright denied (before moving on to the next step) because the business followed the purchase agreement, and it made the customer fully aware of the same public-facing purchase agreement the customer indicated he/she agreed to be bound to at time of purchase?