Yea, that all makes sense, I don't think Stripe is trying to hurt your business it is just a standard process that they themselves are subject to terms of as we

Yea, that all makes sense, I don't think Stripe is trying to hurt your business it is just a standard process that they themselves are subject to terms of as well (mainly because of their fraud insurance and upstream banks). The part that sucks is usually when you are having chargebacks/refunds is the exact time cashflow is critical, so I totally respect the issue. Fighting chargebacks is a painful process for companies. Even with voice recordings where the consumer called in and requested the service and the transaction was confirmed through a secondary agent the company I was consulting for would lose a good percentage of the cases. I personally believe that is why the secondary confirmation agent (super common in the past) is rare now since companies found it was an expensive process and they still only won a small percentage of cases. If you look at each transaction on its own it is almost always too much hassle to fight over (barring multi-thousands of dollars), but if you have hundreds of smaller transactions a month it adds up quickly. I know of one company in the home security monitoring business who decided to stop allowing credit cards and requires ACH now because of the chargeback issue. You can buy their products via credit card but not pay for their monthly monitoring service via credit card.