I wonder how the other for-profit in this space keep their business running, considering the amount of disputes that must come from users.
For example, I know that Stripe is very strict on the disputes percent[1]...
1 - https://stripe.com/docs/disputes/measuring#:~:text=Dispute%2....
Beeminder gets zero credit card disputes because we give people a chance to contest their derailments and cancel the charge before it goes through. They have to talk to a human workerbee but we make it as easy as possible. If that doesn't happen in time and the charge goes through but the user still doesn't think it was legit for whatever reason, we refund it. No need for it to ever get disputed with the credit card company.
Love the fact that you make it easier for the customer to get a refund through your process, than through the refund one; I do not work in this space and offering free refunds for my product could be very destructive, but it makes 100% sense here.