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Stripe banned us for payment disputes but we never had a single dispute

(justuseapp.com)
693 points hienyimba | 5 comments | 14 Sep 21 10:51 UTC | HN request time: 0.673s | source
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sudhirj ◴[14 Sep 21 11:27 UTC] No.28523084[source]▶
If I understand correctly you use Stripe Issuing to give people cards that they can then spend with in a way that you control? How do people recharge their Justuseapp cards? You charge their real card and credit their virtual ones? And if one of the apps being used makes a unauthorised charge do you then raise a dispute on behalf of the customer?

I'm not trying to apologise for Stripe, I'm trying to see what's special about this financial arrangement. It's obviously not a SaaS nor are you selling anything physical.

replies(1): >>28523376 #
1. InsomniacL ◴[14 Sep 21 12:00 UTC] No.28523376[source]▶
"You can then use the virtual credit card to signup for free trials on the web and on apps without worry. We approve only free trials and not actual purchases."

I assume when you sign up to a free trail, they'll charge your card £0.00 to confirm it's a valid card, then when the trail ends and they try to automatically charge you for a full subscription they'll block the transaction.

https://justuseapp.com/free-trial-card

replies(1): >>28523521 #
2. grey-area ◴[14 Sep 21 12:15 UTC] No.28523521[source]▶
This is not the intended use for stripe issuing at all, and would lead to stripe handling thousands of disputes from companies trying to charge cards with 0 balance after trials end.

I can see why they blocked it.

replies(3): >>28523738 #>>28525162 #>>28603951 #
3. hienyimba ◴[14 Sep 21 12:32 UTC] No.28523738[source]▶
Free trial cards were not issued with Stripe Issuing.
4. reillyse ◴[14 Sep 21 14:14 UTC] No.28525162[source]▶
Also not how disputes work
5. InsomniacL ◴[21 Sep 21 11:27 UTC] No.28603951[source]▶
Automatically charging a 12 month subscription after a free trail is not the intended consequence of signing up to a free trail for most people at all. It leads to thousands of disputes from innocent people being changed a lot of money they never intended to part with, sadly most will never get that money back.