Won My Credit Card Dispute, Then Bank Reversed It 3 Months Later

I publish illustrative scenarios prepared by my practice. All participants and conversations are fictional. The fictional posts are not posts by real users, accounts of client experiences, or reports of actual results.
Illustrative scenario prepared by my practice.
For informational purposes only. This is not legal advice.
Hypothetical question

Looking for advice on this situation. Won My Credit Card Dispute, Then Bank Reversed It 3 Months Later Is this as bad as I think?

Details: I'm in a situation where I need to understand my legal options. Has anyone dealt with something similar?

Illustrative response

Keep in mind that payment processor disputes are governed by the contract you signed, not consumer protection law (since you're a merchant). Read your merchant agreement carefully for the dispute resolution process.