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That makes sense for cards but if most of the payments are SEPA transfers, then it doesn't make that much sense since there's no chargebacks for SEPA transfers.

Maybe the issue is a fraud system designed for cards that's not well thought out for other forms of payments.

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This is exactly my point, SEPA DD is by design high dispute because the customer can dispute a payment on a no-question-asked basis over a span of 8 weeks.

This can also happen due to insufficient funds, or as it happens if the mandate you (Stripe) send them is wrong. We previously have an issue with this exact same account where the reason for the disputes was an incorrect mandate and we were refunded for those.

There’s no chargeback for SEPA transfers that are initiated by the customer, but the OP is using SEPA direct debit which is initiated by the vendor and has chargeback.

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