To be fair, from stripe's point of view, how would they know that you and the alleged customer are not in on it for some reason they don't know?
Stripe is friendly to “friendly fraud”
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Re: Stripe is friendly to “friendly fraud”
#12To be fair, from stripe's point of view, how would they know that you and the alleged customer are not in on it for some reason they don't know?
? in on what?
Re: Stripe is friendly to “friendly fraud”
#13So I can crack open a Backwoods, stick my weed in there, and then glue back together with Ciglue? That's pretty cool.
Re: Stripe is friendly to “friendly fraud”
#14I got hit with a fraudulent chargeback (claim was the purchase was unauthorized and the person showed up in person to a class) and it was doubly bad because they paid via Link which means that Stripe actively verified them via 2FA.
Can someone explain to me why Stripe (or a competitor) doesn't offer a setting "refuse transactions for cards that have filed > x chargebacks with merchants this year"?
Re: Stripe is friendly to “friendly fraud”
#15I run a saas and we get this every now and then. As a rule of thumb, when you get a chargeback you need to completely ban the customer from your db. This includes: - card ban - email address ban - fingerprint their access and ban This will save you a lot of hassle when they try to signup/buy your product again and cause you the same amount of grief.
Use DeviceCheck if iOS app too. Uber does this to ban across accounts
Re: Stripe is friendly to “friendly fraud”
#16> They told me they don’t use evidence of chargeback abuse from one merchant to create cross-merchant fraud signals, or to take action against the customer’s card, email, or other details for other merchants.
I'm surprised they were able to get Stripe to actually state all of this clearly. It's nice that Stripe actually communicates details like this. But you can see the logic behind why many other big companies would just respond with an opaque message like "thank you for your report, it will be handled in the appropriate manner". Because saying the truth gets people more upset.
Re: Stripe is friendly to “friendly fraud”
#17[deleted]
Re: Stripe is friendly to “friendly fraud”
#18I got hit with a fraudulent chargeback (claim was the purchase was unauthorized and the person showed up in person to a class) and it was doubly bad because they paid via Link which means that Stripe actively verified them via 2FA. Can someone explain to me why Stripe (or a competitor) doesn't offer a setting "refuse transactions for cards that have filed > x chargebacks with merchants this year"?
claim was the purchase was unauthorized and the person showed up in person to a class
Certainly a person showed up in person to a class, but how do you know it was the person whose credit card was used?
Re: Stripe is friendly to “friendly fraud”
#19Re: Stripe is friendly to “friendly fraud”
#20Stripe obviously records data around friendly fraud, (At minimum they implement Visa Compelling Evidence 3.0 https://support.stripe.com/questions/how-does-stripe-support... ) and since you did not include screenshots of the messages sent by Stripe support I suspect they were saying something carefully noncommittal and legally compliant to get you to go away, which then got spun into an outraged blog post.
> Stripe obviously records data around friendly fraud
My only nit with Stipe is they don't allow me to delete card details for an ongoing subscription I don't plan to renew and already set it not to renew on the service billing page.