My wife's box club business gets dinged all the time by fraudulent transactions. She uses CrateJoy, and they tell us it's our and Stripe's job to filter fraud. Well, I don't have a 24/7 SOC dedicated to filtering out fraud, so I have to rely on Stripe. Stripe, even with all the verification features enabled, still does very little to prevent fraudulent charges. My wife loses a not insignificant portion of her money on heavy renewal months (like 3 months after Christmas and most recently 6 months after Christmas) with people charging back for fraud or just because they want a refund. And of course Stripe is happy to slurp up the insane fees for it.
We'd move, but CrateJoy makes things really, really, really easy for her in terms of managing members and shipping. It's just a bummer to deal with this all the time.