4 ms·

>This strikes me as weird. User buys something from me, regrets it and issues a chargeback, dispute gets started and bank says I did nothing wrong, so the charg

>This strikes me as weird. User buys something from me, regrets it and issues a chargeback, dispute gets started and bank says I did nothing wrong, so the charge still sticks, but Stripe gets to keep the fee for handling the dispute? You should include this in your contract terms with the customer and collect the dispute fee from them. It's not reasonable of you to expect Stripe to just absorb this cost.

dachryn 4y ago
good luck actually getting that money. What are you going to do, sue over 20 euro?
- gggggg5 4y ago
  I don't necessarily disagree, but I guess you could run their card again for the 20 :)
  - jeromegv 4y ago
    If you're not storing their card (and really you shouldn't), you cannot "re-run" their card.
    - gggggg5 4y ago
      That's not at all how payment processing works in 2023. You can absolutely "re-run" their tokenized card without storing their card info yourself-
  - jermaustin1 4y ago
    and when it gets charged back, you have to eat the 20 again?
    - gggggg5 4y ago
      Perhaps charge a chargeback fee of 40 euros? It'll cover both of the chargeback fees you'll have to pay stripe.
      - Aeolun 4y ago
        What are they going to do? Sue you over €40?
      - bodomalo 4y ago
        Are you 5 years old? Waste of time to talk to you
sleepyhead 4y ago
Yeah that is not even remotely legal in any country with decent consumer protection.
- gggggg5 4y ago
  Why not? Could you give an example as to why this would not be legal in some country of your choice?
  - withinboredom 4y ago
    In the case of card fraud, you don’t have a contract with the actual account owner. So taking that money results in THE COMPANY fraudulently charging a card. Again. In the case of an actual dispute (non-shipment, etc) you do have an actual contract. However, this smells like extortion(?). You didn’t deliver on your end of the contract (deliver goods) but are penalizing the other side for your failure to deliver. It won’t go over well when you get the class-action suit, and all the little ones in-between.
    - deleted 4y ago
      [deleted]
    - gggggg5 4y ago
      It seems that you're missing the obvious assumption that we're talking about disputes won by the seller, i.e. friendly fraud attempts.
      - withinboredom 4y ago
        Yep, totally missed that.
  - bodomalo 4y ago
    Boy, it is not legal in ANY European Union country. Ok? Especially online, the law says: Customer gets back ALL of his money, every cent. You will be sued by customer protections in a minute if you act like that. Do you seriously run a business???

dachryn 4y ago

good luck actually getting that money. What are you going to do, sue over 20 euro?

gggggg5 4y ago
I don't necessarily disagree, but I guess you could run their card again for the 20 :)
- jeromegv 4y ago
  If you're not storing their card (and really you shouldn't), you cannot "re-run" their card.
  - gggggg5 4y ago
    That's not at all how payment processing works in 2023. You can absolutely "re-run" their tokenized card without storing their card info yourself-
- jermaustin1 4y ago
  and when it gets charged back, you have to eat the 20 again?
  - gggggg5 4y ago
    Perhaps charge a chargeback fee of 40 euros? It'll cover both of the chargeback fees you'll have to pay stripe.
    - Aeolun 4y ago
      What are they going to do? Sue you over €40?
    - bodomalo 4y ago
      Are you 5 years old? Waste of time to talk to you

sleepyhead 4y ago

Yeah that is not even remotely legal in any country with decent consumer protection.

gggggg5 4y ago
Why not? Could you give an example as to why this would not be legal in some country of your choice?
- withinboredom 4y ago
  In the case of card fraud, you don’t have a contract with the actual account owner. So taking that money results in THE COMPANY fraudulently charging a card. Again. In the case of an actual dispute (non-shipment, etc) you do have an actual contract. However, this smells like extortion(?). You didn’t deliver on your end of the contract (deliver goods) but are penalizing the other side for your failure to deliver. It won’t go over well when you get the class-action suit, and all the little ones in-between.
  - deleted 4y ago
    [deleted]
  - gggggg5 4y ago
    It seems that you're missing the obvious assumption that we're talking about disputes won by the seller, i.e. friendly fraud attempts.
    - withinboredom 4y ago
      Yep, totally missed that.
- bodomalo 4y ago
  Boy, it is not legal in ANY European Union country. Ok? Especially online, the law says: Customer gets back ALL of his money, every cent. You will be sued by customer protections in a minute if you act like that. Do you seriously run a business???