You are completely correct that Stripe has no control over this and this is at the sole discretion of the issuing bank. I think I was pointing that the "you can

You are completely correct that Stripe has no control over this and this is at the sole discretion of the issuing bank. I think I was pointing that the "you can't win intangible good chargeback" is not true anymore and if you can put together a good case with lot of proofs sometime you might win. By the way, no one really talked about this but there's always a possibility to sue the customer if the charge is really big and the customer reside in the same country than you are (for example US). Of course this is up to you to decide if this is worth the effort (Most cases this isn't).