That Twillio doesn't protect you is bad. However, would a court agree you don't owe them the money? This recommendation seems like abuse of disputing a charge and will just get you banned from Twillio.
The customer has the right to dispute credit card charges thanks to the agreements between customer and card provider and between card provider and merchant.
Twilio will get in trouble with Visa/Mastercard if customers say Twilio is dropping them for disputes the card provider finds in the customers' favor.
This is why you always pay for sketchy merchants with a card, it's one of the few consumer powers you have.
If you pay someone to mow your lawn, then they mow your lawn and charge you. You can't just chargeback after the fact to get that service for free.
It might be in the terms and conditions, but it’s bad faith to not give any warnings or controls before the services are rendered.
If it's a sufficiently large amount, Twilio will collect the money from you via other channels. Them losing a credit card dispute does not release you from liability.
>Twilio will get in trouble with Visa/Mastercard if customers say Twilio is dropping them for disputes the card provider finds in the customers' favor.
This is simply not true. Chargeback blacklists are standard and not prohibited by merchant agreements.
Absolutely, dispute the charge.