That's how these things work though. If you ran a brick & mortar store and some guy bought $1000 of items from you with his "girlfriend's" credit card (which tu

That's how these things work though. If you ran a brick & mortar store and some guy bought $1000 of items from you with his "girlfriend's" credit card (which turns out later was a stolen card), you'll eat the chargeback AND not get your product returned to you. Anyone who accepts payments of any kind is taking that risk. Stripe/Square/whoever operates the same way. Even cash is a risk - if you get passed counterfeits and don't catch them at first, the secret service will confiscate them and you won't be compensated.