I think it’s actually $15, and Stripe actually pays this if you win. But my point is that merchants should love PayPal for this, and consumers don’t realize it

I think it’s actually $15, and Stripe actually pays this if you win. But my point is that merchants should love PayPal for this, and consumers don’t realize it’s chargebacks that are > PayPal claims when it comes to consumer friendliness. Though even paypal claims are easily won by consumers if you’re willing to commit light fraud/perjury.