This is the tradeoff of accepting credit cards. Users access to a payment system that users trust because it generally gives them the benefit of the doubt, and

This is the tradeoff of accepting credit cards. Users access to a payment system that users trust because it generally gives them the benefit of the doubt, and they don't face liability for fraud. Merchants get access to a fast reliable system connected to billions of worldwide users, but are forced to adopt extremely customer friendly policies. If you don't like Visa or Stripe's terms, don't accept them. Use ACH, or crypto, or whatever else other payment system you prefer, but be ready to have a VERY hard time attracting customers. I get that it's annoying, I used to do payment tech for a subscription box, and people loved to open disputes when they forgot to cancel. But, it wasn't hard to dispute: we would send a copy of our terms of service showing that they agreed to the charge, and a copy of the shipping showing that the item was sent, as well as a log of all communications and interaction with the client (to prove that they hadn't requested cancellation). We had a script that could package all of this info for the dispute, so it normally took almost no time at all. Sometimes we had to eat the cost because the whole process is biased against merhchants. The reality is that credit cards are one of the most enabling technologies for the internet. Should it be this way? I don't know. But in the real world, it is, so you can either opt in to the most popular payment system that gives you access to billions of people n exchange for disputes, or you don't.