[someone13]

Serious question (I haven't used a merchant credit card account): do regular accounts come with any fraud protection? The reason I ask is, I was sent a link to this a while ago, which seems to say that Stripe does do fraud protection:

https://stripe.com/docs/fraud

[ripberge]

It's hard to say, Stripe (or any other merchant account) may be blocking some charges, but you really don't have visibility into why a charge was blocked.

Regardless if they are blocking a lot or a little, they all let way too many fishy charges go through. They are just not incentivized to police fraud because in e-commerce its you who are on the hook for the charge back, not the bank or credit card company.

You cannot rely on your merchant bank (Stripe or anyone else) to do your fraud protection. You will get eaten alive.