Stripe Chargeback Protection

But this isn't the product I want.

I don't want to ever fight chargebacks. Because my policy is to never take money from people who don't want to give it to me. I want to automatically refund every chargeback attempt without it affecting my ability to charge credit cards.

One of my businesses targets consumers, who have this amazing ability to "forget to cancel" or to have "cancelled 3 months ago, but for some reason we're still billing them" or to just plain decide that the last six months of charges were fraudulent and that their bank should get them reversed.

All of that is fine with me, and in fact every invoice I send out says as much: We'll happily refund every penny you ever paid us if you simply ask. But lots of people aren't comfortable asking for their money back. They are, however, plenty comfortable asking their bank to ask for their money back.

I just want a way to streamline that process that doesn't involve me having to handle fighting disputes that I'd prefer to lose. And of course to not have those lost "disputes" count against me.

Any ideas on how to do that, Stripe?

Unless you have an easily visible telephone support number, I’m issuing a chargeback. It simply takes less of my time and idgaf about your business model.

Regardless of the ethics of this approach (I don't even want to touch that part), continuously charging back has a number of ways that can ultimately hurt you:

1. If you run this scheme enough and your credit card company flags your account for excessive chargebacks, you could very well have that card shut down and take a credit hit along with it. 2. More and more companies implement against (effectively) data brokers who are going to tie your chargeback history into a risk score. This very product from Stripe is absolutely going to score risky behavior in part based on past chargeback history.

What's easier & takes less time now is not a guarantee on something being a net good decision, so other people should think twice before going with a scheme like this.