Huh, never did a charge back in my life (I'm not from the US, charge backs aren't a big thing here). I'll give it a shot, just for fun :).
I use a debit card and I wasn't even sure you can do charge backs with them. But yes, apparently!
I use a debit card and I wasn't even sure you can do charge backs with them. But yes, apparently!
As a company there is just no point in fighting them. I even had emails of clients they made a mistake and didnt realise it was our payment, but even that wasn;t enough.
If we get our dispute rate down, might consider trying fighting it again, they are always our lowest tiers of 19 or 29 usd. So not really worth it. Just frustrating it's such a terrible process on our end. Also twice users are open to withdraw it when I contacted them, yet their bank / card doesnt make that easy or possible, so they still count to our dispute rate.
I think that's if you're lucky enough to receive an early fraud warning, in which case, you have maybe ~12 hours to refund the money, but who knows, it's completely opaque to the merchant. As a merchant, I've even had previously refunded payments become disputes hours after issuing the refund.
Most of the time, the charge back is sprung on the merchant without warning. It can be worth fighting some. I've successfully countered several, it feels like I win maybe around 50% of those that I counter. I usually counter when the reasons are nonsensical, such as "Subscription renewed after cancelling", yet there was only one payment for the subscriptions creation.
To add insult to injury, Stripe charges an additional fee to counter the dispute (which you might get back if you win).
The whole process is infuriating. Charge backs are a tiny % of transactions, but cause a large amount of distress. I can't see why Stripe / banks don't offer an early dispute window, in which the merchant has say 7 days to refund without penalty. If they ignore or decide not to, it becomes a standard dispute.