[mlm]

(I work at Stripe) Buyers won't have to contact Stripe directly, just as they would not contact a third-party fraud detection service directly. They'll contact businesses, who can use the dashboard or API to mark the charge as safe and retry it without Stripe intervening. In our experience, card networks don't catch much fraud, and not all businesses have the time or resources to integrate a third-party solution—we don’t want them to be unprotected.

And, to be clear, the fact that Stripe is doing fraud protection isn't new—we've always blocked some fraudulent payments, as does every other major payment company. What we're launching is a much better system and, especially, one that businesses using Stripe can train so that there are fewer false positives over time.