Genuine question: how can this make financial sense for Stripe?
If Stripe charges 0.4% for it... then presumably any business with chargebacks of <0.4% value won't bother to use it (except for rare cases of needing to reduce risk on extreme low volume of high value items), so mostly only businesses with chargebacks of >0.4% value will use it...
...so almost by definition the mean cost will be greater than what Stripe is charging, and Stripe will lose money.
Since Stripe is full of smart people... what am I missing here? How is this a viable product?
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