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.

Isn't that harder than replying to your last invoice mail with the words "Please refund this and cancel my subscription"?

Why involve the telephone?

I think many people have been conditioned to assume that replying to automated messages goes straight to /dev/null. Have you considered putting a link to a page that provides a quick cancellation workflow?

Here's one of those invoice mails in its entirety. Sent from (and reply-to) info@twiddla.com. See if you can figure out how to go about cancelling your subscription or getting a refund:

Your Twiddla Bill for April 4, 2019 to May 4, 2019

Hey, we wanted to let you know that on May 4, 2019 we charged your credit card $14.00 for your monthly Twiddla Pro subscription.

You can find additional information regarding your bill, individual charges, and your account history by logging into your your account at https://www.twiddla.com/ and navigating to your "My Account" page. You can also make changes to your subscription or cancel it altogether from that page.

If you have any questions regarding this charge, or would like to yell at us until we refund it, please contact us at info@twiddla.com.

Thanks for the business!

Jason Kester

info@twiddla.com

https://www.twiddla.com/

I have no desire to yell at you, simply to cancel the account and request a refund. While sending an email is okay, it would be better if there was a link directly to a page to do so, just like unsubscribing from an email list. Regardless, I would recommend changing the wording from "yell" because that sounds hostile, and most people don't want the conflict.

One nice thing about running your own business is that you can develop your own "voice" throughout the copy on your site and in your communication with users. And that that voice need not be soulless nor corporate nor cleared by Legal.

Plenty of people have taken me up on the offer for a refund, and none of them felt the need to "yell", so I think they got the correct vibe. All our site copy and mails have this same casual, friendly tone. People seem to like it.