That's very correct,any payment processor that want to start the online store should atleast have a dispute feature. Well,we never can tell,who knows if STP would have the dispute feature any time soon. For them to be able to compete with other payment processors.
This is the number one reason why paypal has been one of the best payment processor to be used on online due to they are very serious with the dispute feature which helps to protect buyers who will be buying from some unGodly sites that will like to scam. Solid trust pay should move to that direction if they want to get known.