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?

But, this is the product I want, because I sell high end used luxury watches, and chargebacks are the biggest PITA and one of the hindrances to profitable growth in that sector.

Losing out on a large chunk of a $15k transaction because the buyer thinks the condition of the watch is "not as described" (where in reality, they know this is an easy way to scrape a huge discount on their purchase because the criteria is so subjective and petty) makes life very difficult. Sure, 95% of my customers are great, but that 5% really deals material damage when you are talking about high cost physical goods.

This product offering is interesting, and is worth investigating and weighing its cost against my average annual losses from chargebacks. In your case, you are offering SaaS so your marginal cost must be negligible. Different strokes for different folks I guess.