This isn't really a Stripe thing. Just about every processor has a chargeback fee that is non-refundable. Frequently they are higher than $15. You can sign up

This isn't really a Stripe thing. Just about every processor has a chargeback fee that is non-refundable. Frequently they are higher than $15. You can sign up directly with any bank that offers merchant services and there will be charge-back fees. The reality is that chargeback-fees are never going to be a massive part of any businesses expenses, since processors will cut you off from the network before that point (anything over .9% of transactions disputed and you are in deep trouble). Just like everything else, small businesses should just plan for a certain small percentage of transactions to be disputed, and build that into their business model, in the same way that they do for all other expenses. Besides all that, a credit card chargeback does not invalidate a valid debt. If a merchant wants to put that debt into collection, or to go after the debt and expenses in small claims, that's allowed and the CC company can't do anything about it.