I mean AFAIK Stripe's selling point is ease of developer use and stuff, not that they have looser risk assessment? It's fundamentally not really something paym

I mean AFAIK Stripe's selling point is ease of developer use and stuff, not that they have looser risk assessment? It's fundamentally not really something payment processors can solve that if a company goes under with 100k in charge backs due, the payment processor still needs to fork over that 100k of their own money to keep their merchant accounts in good order.