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Comment by gggggg5 | Hacker News Reader

>This strikes me as weird. User buys something from me, regrets it and issues a chargeback, dispute gets started and bank says I did nothing wrong, so the charge still sticks, but Stripe gets to keep the fee for handling the dispute?

You should include this in your contract terms with the customer and collect the dispute fee from them.

It's not reasonable of you to expect Stripe to just absorb this cost.

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Yeah that is not even remotely legal in any country with decent consumer protection.

Why not? Could you give an example as to why this would not be legal in some country of your choice?

In the case of card fraud, you don’t have a contract with the actual account owner. So taking that money results in THE COMPANY fraudulently charging a card. Again.

In the case of an actual dispute (non-shipment, etc) you do have an actual contract. However, this smells like extortion(?). You didn’t deliver on your end of the contract (deliver goods) but are penalizing the other side for your failure to deliver. It won’t go over well when you get the class-action suit, and all the little ones in-between.

It seems that you're missing the obvious assumption that we're talking about disputes won by the seller, i.e. friendly fraud attempts.

Yep, totally missed that.

Boy, it is not legal in ANY European Union country. Ok?

Especially online, the law says: Customer gets back ALL of his money, every cent.

You will be sued by customer protections in a minute if you act like that. Do you seriously run a business???

good luck actually getting that money.

What are you going to do, sue over 20 euro?

I don't necessarily disagree, but I guess you could run their card again for the 20 :)

If you're not storing their card (and really you shouldn't), you cannot "re-run" their card.

That's not at all how payment processing works in 2023. You can absolutely "re-run" their tokenized card without storing their card info yourself-

and when it gets charged back, you have to eat the 20 again?

Perhaps charge a chargeback fee of 40 euros? It'll cover both of the chargeback fees you'll have to pay stripe.

Are you 5 years old? Waste of time to talk to you

What are they going to do? Sue you over €40?

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