[segmondy]

Imagine you sold a product on the internet, you paid Fedex to ship it. Your customer decides they don't want your product anymore. You refund them their money, but then you have to refund them the shipping cost. Not just the cost to ship it to them, but they want you to handle the return for free. Yeah, that costs money. Transaction fees are not free. Stripe doesn't own the credit card network.

[poxrud]

No that is incorrect. The credit card network returns most of the fees. They absolutely do not keep a percentage of the full amount. The credit card network might keep $0.3, but Stripe decided to keep the full 3-4%.