Why would you reverse it? If you can’t afford to consume one unit of whatever you are selling are you really in a good place to be in that business?
I guess there can be rare exceptions where the business sell only a handfull of high ticket items. But then again probably Fincantieri does not let you put your bespoke mega yacht on a card through a web transaction.
After some eye-rolling he agreed to buy a burner phone, add a prepay SIM, and whaddayano the bloody charger did not work. Two months later it works, for most people, who have recent cars that are not Teslas. Sigh. "welcome to our product, you're a beta tester. Maybe an alpha tester. We hope it works!".
Test in production. Do real dollar value tests. If you can test with different cards with different security levels, try a Visa 3D Secure and a 2FA Amex charge. Personally I do them and then get reimbursed (or do them directly on a company credit card) rather than start out a production payment history with refunds, not sure if that matters but I figure if it does it's got to be a bad signal so I may as well avoid it.
Why would you not? Stripe still keeps the transaction cost, so clearly they anticipate this happening.