[scrollaway]

60%… I've had some of my customers' cards get reported as stolen, and a recurring charge pop up (on a customer who had subscribed months ago) and get flagged. I do not act on it, a dispute gets filed, and the customer wins the dispute despite me providing evidence that this was clearly an intended charge (and clearing that up with the customer afterwards!).

Winning a dispute on Stripe has always felt impossible to me. I stopped trying after a while, and just let the disputes default to a loss after they time out.

[Silhouette]

We're about 50/50 on the relatively few chargebacks we've had. In 100% of the cases, it was a genuine charge for a real customer, the customer openly acknowledged that when contacted, and this evidence was supplied as part of the dispute.

Our customers have generally been responsive when asked about a chargeback. It seems like in many of the cases there really had been a problem with their card being stolen or the like, but often all subsequent transactions had been disputed by the card issuer, even long-standing recurring charges. It wasn't clear in many of these cases that the customer had requested this, or even knew that it was happening.

Even when customers assured us that they had personally contacted their card issuer to tell them a charge was legitimate, that was no guarantee that the chargeback would be cancelled. Unless we have customers who are spending considerable time writing apologetic emails to us and offering to pay us some other way and yet for some reason lying about that contact, the card issuers aren't keeping up their side of the bargain here.

In 0% of cases was it worth the time we spent putting together comprehensive evidence to dispute a chargeback, even when we won. Like scrollaway, we just don't bother now.

If you have a system where a charge can just be arbitrarily reversed and it's not worth fighting it as the merchant even if you have overwhelming evidence of its legitimacy, that tells you how legitimate the whole system is, doesn't it?