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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 sing

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.

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.