Originally Posted by Some person

To be reprocessed in EUR, I think that the restaurant needs to submit evidence that the customer has agreed to the EUR amount. Some merchants may be unaware of how the process works or that the merchant needs to do something and if they do not act, the customer probably gets everything back.

The merchant also has to pay a fee of possibly a few tens of euros to the bank for processing the chargeback, so settling for the xe.com exchange rate and refunding in cash was probably a lot cheaper for the restaurant than using the chargeback process.