[latimer]

Do you use Stripe's risk evaluation API? In my experience, a lot of chargebacks come from people who have had their credit card info stolen, then file a chargeback when they see the unknown transactions in their statement.

You could also try using the two step auth and capture method to allow more time for the victim to realize their info was stolen and do an additional fraud check with potentially more up-to-date models right before performing the capture.