> I think the author is mixing chargebacks with PayPal disputes/claims as PayPal also takes a fee for chargebacks. What the article says is that PayPal allows

> I think the author is mixing chargebacks with PayPal disputes/claims as PayPal also takes a fee for chargebacks. What the article says is that PayPal allows payers to request a refund, which is not a chargeback and is free to the vendor. Stripe does not have a dispute or refund process other than chargebacks and they charge vendors $15 for each according to the article.