[Hermitian909]

Stripe's superior fraud detection is an open secret in FinTech. There are apparently a lot of large companies with their own payment rails that route riskier looking payments (e.g. a new account who you haven't yet settled a transaction with) through Stripe for this reason.

[habitue]

which probably makes stripe's job even harder, because now there's adverse selection

[BurningFrog]

You can charge extra per detected fraud.