[wayoutthere]

Chargebacks are no panacea for dark patterns; issue too many and you’ll start getting your card blacklisted from payment processors. I did this a couple times with an online retail store that was especially egregious on the dark patterns (sneaking things into your cart on checkout, etc) and my card would get rejected at certain gas pumps and online stores for the next 6 months. It wasn’t all of them, but a good 25% simply wouldn’t take that card.

[commoner]

I have never heard of a universal blacklist for chargebacks (spanning multiple unrelated businesses), and I don't think it exists. I've charged back transactions for legitimate reasons (such as fraud and false advertising) on quite a few occasions, and I've never received any kind of penalty. Even if there were such a blacklist, you could simply ask your card issuer to change your card number to get around it. In fact, when you perform a chargeback for a fradulent transaction, most card issuers immediately cancel your card and issue you a new one with a new number.

Now if you file a chargeback against Apple or Google, your account with that company will almost certainly be permanently disabled, based on what I've heard from users who have done it. This is a significant setback for consumer protections, and makes it less advisable to concentrate your digital identity into either of these companies' services. However, as inconvenient as it may be to get banned from having an account with Apple/Google, it shouldn't blacklist you from using your card at any gas stations or online stores, assuming that you aren't using Apple/Google payment processing.

[heavyset_go]

Companies, especially retailers, pass around lists of problem customers.

[chrischen]

While it’s possible Stripe implement this implicitly via their “fraud detection” machine learning model I’ve never heard of any blacklists currently being used and I operate an online retailer.

That being said you’d have to be purchasing from shady merchants quite a lot and using lots of chargebacks (and presumably losing them) to be blanketed.

[wayoutthere]

It was a few instances where a store crammed something in my cart, then ignored all contact when I requested to return them. So I ended up with both the money and the merch, which I suspect means they flagged me for “fraud”.

Needless to say I don’t shop at that store anymore.