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0 pointsSpicyLemonZest29d ago0 comments

The author thinks it matters what Stripe said, since they chose to use it as the title for their blog post. To the extent that it was just meant to be a lament that it's hard to be a small online merchant in an era of strong consumer protections, sure, I sympathize. But they seem to think it's a problem with Stripe that could be fixed if Stripe behaved better.

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gingerlime29d ago· 2 in thread

Author here. What makes you think Stripe cannot do better here?

akerl_29d ago

Stripe has a customer's bank saying "the customer says they didn't make this payment" and you saying "the customer told me they did make this purchase and got the item and they're making fun of me".

They have no way to know if your evidence is real, any more than the bank has a way to know if their customer's evidence is real. Either one (or both) of you could be full of shit.

In that world, what would you like Stripe to do better?

gingerlime29d ago

What do they feed into their Radar machine learning system? surely there are lots of signals to use here. I'm not saying take only my word and ban this customer forever.

But they have my record as a merchant (successful charges, chargebacks, disputes etc), they have the payer record as a consumer (payments, chargebacks etc), when a merchant submits a dispute, they provide evidence. I provided evidence from DHL that the product was delivered.

No single piece of data is enough on its own, but Stripe is in a perfect position to use all those pieces to be able to better detect fraud.

Yet they explicitly do not use this data at all.

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