That said, I don't think you're really addressing the main point on my post. There is clear evidence here of intentional fraud, yet Stripe does nothing with it.
And from what I gathered previously with my own experience, and supported by comments on this discussion, Stripe win rate for disputing chargebacks is virtually nil. I'd love to be proven wrong here if you can share your actual win/lose rate stats.
Staying dry (from the elements) is a lot less important. Once you start moving, the lack of breathability in any waterproof jacket means that you'll be soaking wet from your own sweat.
People over-emphasize the staying dry part, not understanding that the point of staying dry is usually to stay warm. If it's hot outside, staying dry is not that important.
I’d be curious too. Previous experience at a SaaS was that we never won disputes and it was too time consuming on top, so we just ate the dispute fees and refund.
I always thought things are easier with a physical product where you have a 3rd party like DHL that proves delivery was made. But at least in my tiny sample space, that’s not enough to win the dispute.
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?
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.
if customer fraudulently claims to their bank that they haven’t received the product, the bank files a chargeback and 3DS does not protect the merchant against it.
Yeah I didn’t really go into it, but I can imagine a bank prefers to take care of their own customer than about a small merchant. I’m definitely frustrated with the whole system. But I expected at least Stripe to try to protect its own customers (merchants).
none of the technical measures you mentioned could work with “friendly fraud”. It was a real human with a real card with a real address with details all matching, then disputing a payment they themselves made for a product they received.
None of the technical measures you mentioned are relevant with “friendly fraud”. And that’s exactly the problem that Stripe doesn’t solve. And doesn’t want to help merchants fight against.
Certain 3DS setups would shift fraud liability to the payment network itself. That is the only payment network solution to an entity that will happily sign off on clearly false chargebacks. Then they would themselves be fighting the institution agreeing to sign off on bad chargebacks.
You presumably have their shipping address, so you can look up their local police department and report it as general fraud. Eg. The Toronto police have an online reporting tool for fraud and scams: https://www.tps.ca/services/online-reporting/
If it happens to be a slow day, or the person is already on their shit list (eg. on probation) maybe something will come of it. Having the gloating emails definitely helps. Or maybe the report just goes into a file until this person does this for a more expensive item and then it gets pulled to prove a pattern of behavior.
Yeah, though this rule sounds a bit tricky. Like what if someone legitimately had their card abused.
The thing that gets me is that Stripe boasts about their machine learning radar rules etc etc, but somehow can't feed it actually valuable data.
Stripe support saw the emails from the customer boasting about defrauding me, they completely agreed that this is a clear case of friendly-fraud, but did nothing with this info.
Stripe can’t do anything per the way CCs work. Asking for that to change is a big ask. Asking my vendor to help me not do business with people who are likely to scam me is a smaller one.
100% agree. They cannot reverse the dispute. I already lost the money. I understand.
But Stripe is exactly in a position to at least use the evidence I provided (in this case, the evidence included the customer clearly admitting to friendly fraud), and feed it into their fraud-prevention system in some way. This way, lots of signals can help protect merchants from friendly fraudsters. So yes, I see it as a pretty small and legit ask from Stripe.
That said, I don't think you're really addressing the main point on my post. There is clear evidence here of intentional fraud, yet Stripe does nothing with it.
And from what I gathered previously with my own experience, and supported by comments on this discussion, Stripe win rate for disputing chargebacks is virtually nil. I'd love to be proven wrong here if you can share your actual win/lose rate stats.