Viewing profile — gingerlime

Thanks for chiming in. I appreciate it. That said, I don't think you're really addressing the main point on my post. There is clear evidence here of intentional fraud, yet Stripe d…

yes, until you have to walk into an air conditioned environment.

I wonder about hot environments where it rains, like tropical countries. Any tips or insights on what works best?

even if the customer claims the product never arrived?

Even when the consumer claims that they didn’t receive the product?

Yeah I totally get what you’re saying. It’s true. Still find it frustrating as a tiny merchant because it’s just too easy to get scammed and the system seems skewed against you. > …

I’d be curious too. Previous experience at a SaaS was that we never won disputes and it was too time consuming on top, so we just ate the dispute fees and refund. I always thought …

That’s news to me. Stripe always presents it as if they’re simply a conduit and it’s all in the issuing bank’s hands. Do you have any links/info for learning more about it?

if customer fraudulently claims to their bank that they haven’t received the product, the bank files a chargeback and 3DS does not protect the merchant against it.

and that’s my complaint on the blog post. They should use these data points too.

Yeah I didn’t really go into it, but I can imagine a bank prefers to take care of their own customer than about a small merchant. I’m definitely frustrated with the whole system. B…

if it was stolen then I guess it’s fairly standard. Disputing specific transactions is much harder though. They ask for evidence you contacted the seller etc and make the process d…

It’s sold in 20+ countries around the world, not just Germany. If you’re talking about premium cigars, using paper is possible but kinda ugly. The glue is similar to what rollers u…

none of the technical measures you mentioned could work with “friendly fraud”. It was a real human with a real card with a real address with details all matching, then disputing a …

Yes most of the communication felt rather LLM assisted or generated. Though to be fair Stripe from my experience always had emphatic support and well written responses. In a way th…

None of the technical measures you mentioned are relevant with “friendly fraud”. And that’s exactly the problem that Stripe doesn’t solve. And doesn’t want to help merchants fight …

100% agree. They cannot reverse the dispute. I already lost the money. I understand. But Stripe is exactly in a position to at least use the evidence I provided (in this case, the …

What do they feed into their Radar machine learning system? surely there are lots of signals to use here. I'm not saying take only my word and ban this customer forever. But they h…

Agree on Stripe support. They're excellent. I don't think Stripe did the right thing here. They can do better to protect their own customers.

Yeah. This case Canada. Not sure where to report but seems unlikely to do anything. Will happily report out of principle so any tips welcome.

Yeah, though this rule sounds a bit tricky. Like what if someone legitimately had their card abused. The thing that gets me is that Stripe boasts about their machine learning radar…

Thank you. Haha, yes. My product is focused on cigar repair, but I know some weed smokers that use cigar glue (mine or other brands) for blunts.

Author here. What makes you think Stripe cannot do better here?

Happy to share their responses verbatim. It was a rather long back-n-forth. Here's a snippet from the latest email, which I think makes it clear that they do not use the evidence I…

No. I would have been far more upset about a vague response. I was still upset that they don't do anything about it. (it took a bit of back-n-forth to get a clear answer, but I did…