Stripe doesn't know you or what kind of customers you will bring. So you're still on the hook to monitor fraud among your customer base, and they give you a few

Stripe doesn't know you or what kind of customers you will bring. So you're still on the hook to monitor fraud among your customer base, and they give you a few options to do that, like the zip code check. If your fraud/dispute/chargeback rates are low, you remove those checks to have less friction at the checkout.