[danpalmer]

This is just fraud.

"Friendly fraud" is accidental or with the correct intentions – such as the customer not recognising the charge and charging back.

[lxgr]

Genuinely not recognizing a charge is not fraud, as that to me requires intent (or at least gross negligence, e.g., something like "I'll just dispute everything I don't remember, and not make a particularly good effort to remember anything at all").

"Just fraud" is already taken for "criminal c uses unwitting cardholder a's card at unwitting merchant b", so what's your objection against "fiendly fraud"?

[bradley13]

This is the point. You could file criminal charges. You could win in civil court.

[gingerlime]

Yes, and Stripe could do much better to prevent it. And doesn't.

[akerl_]

What would you like them to do?

Even in the post you're wishy washy about what you want. They offer a product that does enhanced fraud detection but you don't like that. You correctly call out that there's major risks with taking a merchant's report and using it to flag a user's future transactions.

[fweimer]

The article mentions Stripe's product in this space: https://stripe.com/en-us/radar

There are similar offerings from other companies. I don't know if bundling this with payment processing is common.

[danpalmer]

They could, but this isn't discussed in the blog post. The post is about literal fraud, which has a very different recourse for the merchant.