I don't disagree—chargebacks can be abused by end-users, especially if you don't make it easy to get a refund or your communication is lacking. That being said, Stripe doesn't own any part of the process, we're an intermediary that communicates evidence and outcomes between a cardholder and their bank. The same painful fraudulent chargeback patterns exist with any PSP.

So, we make it as easy as possible to submit evidence. The cardholder's bank decides whether the chargeback is won in favor of the business or not. The card networks are aware that "friendly fraud" is increasing too, hence the introduction of Compelling Evidence 3.0 (more to come on this): https://support.stripe.com/questions/how-does-stripe-support....

You can make sure to always collect enough evidence such as agreeing to TOS (including date, ip/location), invoices, providing easy refund paths as well as a way to demonstrate usage, etc. you can also automate dispute evidence submission. But the business model is often what determines whether you’ll have higher cb rates.

With a SaaS, maybe try a trial period and monitor is the customer actively uses the service, and make sure you notify them before you start charging. Often I signup for a trial, find out the service is useless but forget to cancel. That first charge is a prime cb candidate.