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Something like a Stripe Payment Link [1] would help with this, right? The payment is directly on Stripe.com so they have the best chance at stopping fraud acros

Something like a Stripe Payment Link [1] would help with this, right? The payment is directly on Stripe.com so they have the best chance at stopping fraud across the whole platform. [1]: https://stripe.com/payments/payment-links https://stripe.com/payments/payment-links

dylan604 5y ago
I'm pinning my hopes on that. It's the only 3rd party JS library I'm using, and hope to not have to deal with the nightmare of fighting these battles
- sodality2 5y ago
  Me too. Stripe's chargeback protection is just 0.4% per transaction, which is well-worth it when the products are under ~$5 and chargebacks cost $15, but it's unavailable for payment links as per customer support just now :/
  - dylan604 5y ago
    Interesting. Is Stripe itself not available or just this chargeback protection? Mind sharing what type of business?
    - sodality2 5y ago
      Stripe offers Payment Links [0], which makes it really easy to accept payments (just paste a link into your product page and handle a webhook serverside; a single href is adequate). They also have a separate "Checkout" offering [1], which requires some code client- and server-side to generate the page. So far, Stripe has been awesome for me selling $2.50/mo subscriptions using just the link [2], and as far as I know, suspicious transactions are very likely to be blocked by Stripe Radar which is across all of Stripe. However, their chargeback protection service (0.4%/tx for total protection for any chargeback) [3] is only offered for the Checkout version. This means I won't be protected in the case of a chargeback, whether by a customer or fraud that slipped past Radar. ("Currently, Chargeback Protection is only available on the new version of Checkout" is what I was told by support) [0]: https://stripe.com/payments/payment-links https://stripe.com/payments/payment-links [1]: https://stripe.com/docs/checkout/quickstart https://stripe.com/docs/checkout/quickstart [2]: As a student I get fees waived for the first $1000 in volume, otherwise fees would eat through 20% of my revenue immediately at this price point. I posted about this side business recently as a Show HN if you would like to know more :) [3]: https://stripe.com/radar/chargeback-protection https://stripe.com/radar/chargeback-protection
      - dylan604 5y ago
        I was unware that the Links mentioned originally was a specific Stripe product. It makes sense now. I've been integrating with the Checkout API, and was hoping Radar would be worth including the stripe.js on every page as they recommend. I've had the displeasure of getting hit with a bunch of fraud charges and the resulting chargebacks. It literally ended our small 2-person operation as we not only lost the money from the sale but also the product that had been shipped. This was early '00s, and online merchant accounts back then were not any where like Stripe. This is the one area of a trying a new online biz that concerns me the most.
        sodality2 5y ago
        For sure, chargebacks are really worrying especially to a small business. I can only hope Radar is as good as they say :/ A sad state of affairs in finance when this is a legitimate concern.
ihateolives 5y ago
Stripe payments are available only in US, Canada, EU + few other select countries and that's it, maybe 40 total out of 195.

dylan604 5y ago

I'm pinning my hopes on that. It's the only 3rd party JS library I'm using, and hope to not have to deal with the nightmare of fighting these battles

sodality2 5y ago
Me too. Stripe's chargeback protection is just 0.4% per transaction, which is well-worth it when the products are under ~$5 and chargebacks cost $15, but it's unavailable for payment links as per customer support just now :/
- dylan604 5y ago
  Interesting. Is Stripe itself not available or just this chargeback protection? Mind sharing what type of business?
  - sodality2 5y ago
    Stripe offers Payment Links [0], which makes it really easy to accept payments (just paste a link into your product page and handle a webhook serverside; a single href is adequate). They also have a separate "Checkout" offering [1], which requires some code client- and server-side to generate the page. So far, Stripe has been awesome for me selling $2.50/mo subscriptions using just the link [2], and as far as I know, suspicious transactions are very likely to be blocked by Stripe Radar which is across all of Stripe. However, their chargeback protection service (0.4%/tx for total protection for any chargeback) [3] is only offered for the Checkout version. This means I won't be protected in the case of a chargeback, whether by a customer or fraud that slipped past Radar. ("Currently, Chargeback Protection is only available on the new version of Checkout" is what I was told by support) [0]: https://stripe.com/payments/payment-links https://stripe.com/payments/payment-links [1]: https://stripe.com/docs/checkout/quickstart https://stripe.com/docs/checkout/quickstart [2]: As a student I get fees waived for the first $1000 in volume, otherwise fees would eat through 20% of my revenue immediately at this price point. I posted about this side business recently as a Show HN if you would like to know more :) [3]: https://stripe.com/radar/chargeback-protection https://stripe.com/radar/chargeback-protection
    - dylan604 5y ago
      I was unware that the Links mentioned originally was a specific Stripe product. It makes sense now. I've been integrating with the Checkout API, and was hoping Radar would be worth including the stripe.js on every page as they recommend. I've had the displeasure of getting hit with a bunch of fraud charges and the resulting chargebacks. It literally ended our small 2-person operation as we not only lost the money from the sale but also the product that had been shipped. This was early '00s, and online merchant accounts back then were not any where like Stripe. This is the one area of a trying a new online biz that concerns me the most.
      - sodality2 5y ago
        For sure, chargebacks are really worrying especially to a small business. I can only hope Radar is as good as they say :/ A sad state of affairs in finance when this is a legitimate concern.

ihateolives 5y ago

Stripe payments are available only in US, Canada, EU + few other select countries and that's it, maybe 40 total out of 195.