If they committed fraud and you have evidence of the criminal activity, and their address, you could file a police report or a small claims case to inconvenience them back. The only thing protecting the criminal is that you don't care to press the issue any more than Stripe does.
Stripe is friendly to “friendly fraud”
211–220 of 258 posts
Re: Stripe is friendly to “friendly fraud”
#212> 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 woul…
No, vagueness gets me much more upset, but there's just nothing to write about in those cases.
No. This is what you’re saying because you want to plead your case to find out as much as you can. Saying less works. Everyone knows this, because it’s true. You just don’t like it.
Re: Stripe is friendly to “friendly fraud”
#213Earlier quoted context omitted.
>risk to his life from being on the free internet Idk where you are getting this, but "risk to his life from being on the free internet" is total BS.
It's happened in China: >Gao Yu, a veteran independent journalist and dissident, has been harassed by police repeatedly for visiting and posting on Twitter. https://www.voanews.com/a/east-asia-pacific_voa-news-china_c... It's already banned in Russia, it's not crazy to say that you could get in trouble. Recently they have been cracking down even more. ( https://www.bbc.com/news/articles/cr510de17jlo )
This is not what you said and what I've commented on. Usage of VPN is not illegal in Russia at the moment and "risk to his life from being on the free internet" is indeed total bullshit. It is not "crazy" to say, just incorrect(false).
Re: Stripe is friendly to “friendly fraud”
#214One thing that is so painful with Stripe is the Disputes because no matter how much evidence I show, even emails with the user claiming they did it because of X, Y, Z. ToS not upheld, etc, the customer always wins.
For me, I do a cheap subscription (4$/mon, first month 2$) and one dispute costs me like 20-30$. So that one person wipes a ton of profit from me. I always try to refund them (but you can't refund a customer with a dispute in effect).
Stripe is great to get going, but has a lot of painful points.
Re: Stripe is friendly to “friendly fraud”
#215I was so annoyed with their onboarding for new accts I moved to Square on every project. Love it! Never going back
Re: Stripe is friendly to “friendly fraud”
#216I 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.
You'd better be promptly responsive to legitimate customer support inquiries if you are going to have a policy like that
This comment struck a nerve with me and perhaps you didn't mean it in this way but:
Yes, many of us are incredibly responsive to customer support inquiries (I have a I've dealt with my fair share of chargebacks and in every case I've seen it's someone being a jerk and never a legit case.
The fact that Stripe won't help you, the banks don't care about all the evidence you have, and you end up out the money for the product _and_ you get hit with a chargeback fee on top of it is madness. I could literally have video of the person holding up their ID saying "I XXXXX agree to pay YYYY" and banks would still side with a the scummy scammers.
I have, quite literally, never had someone reach out via support and then file a chargeback later. They do it without reaching out, probably because they are a trash person and they have no interest in getting anything fixed and are just scammers.
Re: Stripe is friendly to “friendly fraud”
#217I 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
That's an interesting idea. The sad thing is, the money lost through chargebacks is minimal for me in the grand scheme of things but it makes me irate enough to potentially spend the development time (that will never have a positive ROI) on adding in something like this just to stick it to the scammers.
Re: Stripe is friendly to “friendly fraud”
#218Stripe is a payment gateway, not an anti-fraud solution. I'd recommend using services such as wyllo or Signifyd for anti-fraud. They will pre-filter against network intelligence signals, and if they approve the transaction, will guarantee your funds, even if a chargeback is lost, and even if you lose.
Re: Stripe is friendly to “friendly fraud”
#219Earlier quoted context omitted.
Yes. But Stripe didn't do anything to prevent the next merchant from falling into the same trap. They had all the evidence, and ignored it. That was the point I tried to make with my blog post. And yes, if it was too easy for merchants to block consumers, that won't be fair either. But surely there's a middle ground here. Stripe very explicitly told me that they don't do anything with such reports. It's simply ignore…
Stripe did the right thing here. They cannot be arbitrators of every little edge cases that comes up. That's not their role. Also I just wanna throw some praise at Stripe Support. They have an excellent team and go above and beyond to help.
If not Stripe (in this case), then who's serving that role?
Re: Stripe is friendly to “friendly fraud”
#220Earlier quoted context omitted.
Just because the card is US-based doesn't mean the user is.
If the cardholder is doing chargebacks on an US-based card, they cardholder is probably US-based. Not very easy to do with prepaid cards AFAIU.
You're assuming prepaid, I'm just assuming the real card was skimmed during checkout at a gas station or swiped from a payment processor.