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It's user-dependent. Stripe provides users with some protections (e.g. against card-testing), and then users will verify their platform's sellers in a way that makes sense for them. Lyft and Sidecar collect drivers' licenses from drivers, and only pays them out in proportion to the amount they drive. Homejoy trains cleaners, and each user rates the cleaner. And so on. Fraud is heterogenous by nature.

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Thanks for responding. It certainly makes a lot of sense for a business model like Lyft or Sidecar where their is a significant relationship between the company facilitating the payment and the service providers receiving payment.

For the OPs case though there seems to be a huge amount of risk: a 'couple' sign up, then other 'friends' start sending them money.

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