Stripe is friendly to “friendly fraud” • Hacker News Board

Re: Stripe is friendly to “friendly fraud”

#141

Post by Cider9986 » Wed, May 27, 2026, 5:13 AM UTC

mattmaroon wrote: post #36

stego-tech wrote: post #30

At this point I’m fairly convinced Stripe is Paypal 2.0, at least in spirit: * Turns a blind eye to misdeeds on its platform * Locks out adult creators/vendors after taking their money * Is ubiquitous, but not well liked I love that Stripe changed the game of fintech and made it accessible to more parties in a programmatic way, but I find myself repeating “avoid Stripe” to a lot of folks asking me for advice on deali…

Who do you recommend as an alternative?

Nowpayments is good for an easy crypto payment gateway.

No affiliation, I've just seen them used–it would be better if you self-hosted a BTCPay server.

Re: Stripe is friendly to “friendly fraud”

#142

Post by jhancock » Wed, May 27, 2026, 5:21 AM UTC

zuzululu wrote: post #28

My suggestion is to just ban specific regions or countries and you can cut 80% of this fraud. I'm not going to name those countries outright but you should never ever be launching globally until you have these safeguards in place. Once you are known to be vulnerable to a certain scheme, it quickly becomes known in that region/country. Again and again I'm reminded why high trust societies remain high trust and why low…

I was told by someone in the industry that New Zealand leads the pack for travelling outside NZ and coming home to refute charges.

Re: Stripe is friendly to “friendly fraud”

#143

Post by compsciphd » Wed, May 27, 2026, 5:26 AM UTC

thrownthatway wrote: post #110

vbezhenar wrote: post #93

Earlier quoted context omitted.

I live in Kazakhstan (I assume that's one country nobody heard of and would disable in their dashboard) and my bank doesn't even have any UI for chargebacks, nor I ever heard about anyone doing chargebacks. They even explicitly warn me sometimes that I assume all responsibility for that payment. I guess I can go through some process, it's VISA after all, but it's definitely not something I can do easily.

Everyone’s heard of Kazakhstan, if not for the architecture, at least because of Borat.

you were thrown that way in Kazakhstan? :)

Re: Stripe is friendly to “friendly fraud”

#144

Post by k33n » Wed, May 27, 2026, 5:31 AM UTC

zuzululu wrote: post #72

OneDeuxTriSeiGo wrote: post #52

Earlier quoted context omitted.

[flagged]

I think you've done a good job of answering why.

Probably why it’s flagged.

Re: Stripe is friendly to “friendly fraud”

#145

Post by rsanek » Wed, May 27, 2026, 5:31 AM UTC

stego-tech wrote: post #40

mattmaroon wrote: post #36

Earlier quoted context omitted.

Who do you recommend as an alternative?

I don’t have one at the moment, at least for my circles (artisans, craftspeople, adult creators in general). Much of it has fallen back on PayPal for folks without an LLC to hide behind, or Square if they’re incorporated as a business. The trick has been discretion and operating in a gray area: “novelty goods”, “graphic design work”, and “outerwear” as item descriptors or db entries, obscuring the actual content with…

That's pretty clearly deceiving. Would expect to run into problems with that kind of approach regardless of the specific payment processor -- everyone has T&C that you must follow.

Re: Stripe is friendly to “friendly fraud”

#146

Post by sieabahlpark » Wed, May 27, 2026, 5:39 AM UTC

OneDeuxTriSeiGo wrote: post #65

shimman wrote: post #51

Earlier quoted context omitted.

Man people are still using the "it's a currency" grift when discussing crypto, did the El Salvador failure really teach you nothing? https://en.wikipedia.org/wiki/Bitcoin_in_El_Salvador

That's less because it was Bitcoin and more because the entire effort was a slapdash affair pushed by Bukele in an effort for him and his buddies to profit off the cryptocurrency boom rather than being an inherent knock on cryptocurrency itself. Also of all the cryptocurrencies Bitcoin is a pretty poor choice since it could be pretty well argued that it has lost the original purpose and devolved into a raw "line go u…

[dead]

Re: Stripe is friendly to “friendly fraud”

#147

Post by [deleted] » Wed, May 27, 2026, 5:49 AM UTC

cherioo wrote: post #135

cortesoft wrote: post #113

Earlier quoted context omitted.

I feel like companies should do a better job of naming their payment entity something that a customer can know when they see it.

It’s 2026, why can’t credit card and merchant figure out a way to transmit order summary URL as part of credit card transactions so I don’t need to match up transactions by amount??

[deleted]

Re: Stripe is friendly to “friendly fraud”

#148

Post by Cider9986 » Wed, May 27, 2026, 5:56 AM UTC

nradov wrote: post #89

Cider9986 wrote: post #34

Earlier quoted context omitted.

I thought that banks were less likely to side with the customer compared with credit cards.

Most credit cards are issued by banks.

[dead]

Re: Stripe is friendly to “friendly fraud”

#149

Post by iririririr » Wed, May 27, 2026, 5:57 AM UTC

gingerlime wrote: post #86

NDlurker wrote: post #13

So I can crack open a Backwoods, stick my weed in there, and then glue back together with Ciglue? That's pretty cool.

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.

i went the other way, and already repaired more than one dropped cig with a good sheet of pure cellulose wrapping paper. I cannot imagine someone buying a glue for that. but I'm not german.

Re: Stripe is friendly to “friendly fraud”

#150

Post by minimaltom » Wed, May 27, 2026, 5:59 AM UTC

gingerlime wrote: post #83

sbierwagen wrote: post #4

Stripe 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.

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 provided: I can assure you that I will take note of your feedback and pass it to our team. Your point about post-transaction abuse detection is valid - while Stripe has robust network-level fraud detection, there does appear to be a gap in…

Theres no gotchas in the quoted text, but curious if you got the impression from your emails that any of it was.. AI generated?

The camber, affirmation, word choice, triplet phrase... leaves me wondering. But without a smoking gun its hard to know if a model call was fired.