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Comment by SandersAK | Hacker News Reader

We might be able to help at Chargehound. We're the only automated system that fights chargebacks for you. We're also the only one on Stripe's platform that's endorsed by them: https://stripe.com/works-with/chargehound

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Thanks for the suggestion. I do this manually and never won a dispute. I suspect the fraud is being committed by a single person or group of people for the purpose of testing stolen credit cards. In some cases victims contact me after seeing my business name on their statement. I also report suspicious transactions myself.

Can you verify, even after the purchase, and automatically refund them?

As an example, will the spammers click a validation link?

I send a verification link to new email addresses before accepting payments. They do click them.

Do those verification clicks come from the same ip address as the initial order?

Good question, I don't know. I could fail the verification if it doesn't match.

It's not 100% because you may get some folks who sign up on a PC but deal with email on a phone, but if they're on home wifi then it'll be the same address. If your emails are sent immediately then differing IPs seem like they'd be rare.

Just a quick update to note that we are on the Stripe "Works With" page but that that isn't an official "endorsement" by Stripe in any way. That word was probably too strong. The rest of it is 100% true though.

How does Chargehound improve over just fighting it manually? Is it only automation the reply?

We're predominately helping merchants with 100+ cbs a month, so automation speeds things up. When you are processing as many cbs per month as us, you learn a lot about how to represent the dispute. We pass those learnings on to our customers.

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