[erincandescent]

No, Stripe did. It is a common misconception that chargebacks are decided by the customer's bank. Actually, there is a multiple cycle back-and-forth process after which they are finally decided by _the network_.

I have worked in card issuing for years and I have seen various submissions by merchants I know that use Stripe where I _know_ that they have an absolute winning case under the network rules that Stripe refuse to contest.

Stripe have decided that fighting most chargebacks is not worth the money, probably becasue they can just pass the costs onto the merchants and let them eat them and the merchants will not go elsewhere.

[gingerlime]

That’s news to me. Stripe always presents it as if they’re simply a conduit and it’s all in the issuing bank’s hands. Do you have any links/info for learning more about it?

[erincandescent]

You can find copies of the Mastercard and Visa chargeback manuals online if you do a search, some of them (mildly redacted) from the networks themselves.