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Quick question about Stripe, how do you plan to retain customers long term? I ask this as a person who has moved a couple businesses off Stripe, pricing & corner cases like easy debit support are the main two motivational factors. For example, Centurylink lets you pay online via debit card with just the card # alone. No CVV, address, expiration date, etc. For low fraud industries, this is a way to leverage very cheap…
I moved out of Stripe because stripe charges $15 for charge backs for my product worth $10. The dispute resolution mechanism sucks and it almost all the time favors the customer and stripe is US only. My product is worldwide.
I use Stripe from Japan and it really sucks when it comes to chargebacks. I have won like 2 of 30 cases. I provide customer's ID, shipping labels, tracking info and still lose. I had one friendly fraud case, when a customer was using both Stripe and PayPal. Later the customer opened disputes for every payment made within 3 months. It was like dozens of disputes on both PayPal and Stripe. I have won all on PayPal and lost all on Stripe.
Those two cases I won on Stripe was like the acquiring bank started the chargeback without notifying the client. The client worked with us, the acquiring bank admitted the mistake and still we had to fight to convince Stripe that we won the dispute.
I strongly believe that they just automatically process the chargeback forms and don't give a thing about winning it.
Not to mention that they charge you even if you win a dispute.