[edwinwee]

No, we don't profit from fraud. First, just want to make clearer here that Radar is included for free in our standard pay-as-you-go pricing. The per-transaction fee is only applied if you have a custom pricing plan that "unbundles" our services by line item, or if you require our more advanced features (Radar for Fraud Teams).

On the dispute fee, banks charge varying amounts (they employ dispute investigators to read evidence, so it costs them to process). Some charge $10. Some charge $20. The average is $15, so we pass that $15 onto the Stripe user. (That way when accounting, the user doesn't have to factor in different fee amounts per bank—they only need to count the number of disputes, which is much easier.) We flex the average based on the country too—e.g., AU banks charge more, so the dispute fee is $20.

If a business wins the dispute, though, we refund the fee at our expense—the banks do not—because we feel it's the right thing to do.