That said, I don't think you're really addressing the main point on my post. There is clear evidence here of intentional fraud, yet Stripe does nothing with it.

And from what I gathered previously with my own experience, and supported by comments on this discussion, Stripe win rate for disputing chargebacks is virtually nil. I'd love to be proven wrong here if you can share your actual win/lose rate stats.

> Plenty of companies don't even try to fight it, because then at least you save the $20 chargeback fee.

That’s sad in my opinion. It shouldn’t be the norm. Stripe support encouraged me to file a dispute and submit evidence but next time I prob won’t bother.

I personally find it disappointing that Stripe is in a position to do something about it but prefers the status quo that clearly allows such fraud to continue.

I always thought things are easier with a physical product where you have a 3rd party like DHL that proves delivery was made. But at least in my tiny sample space, that’s not enough to win the dispute.

If you’re talking about premium cigars, using paper is possible but kinda ugly. The glue is similar to what rollers use when rolling cigars in the factory. It works well and fits well with the cigar smoking experience.

You don’t have to buy (my) glue. You can make your own and I even share recipes on the website. Ciglue however offers convenience with the dispenser and integrated brush and glue.

(wasn’t expecting to get into details about my product on HN but love how diverse the community is)

But Stripe is exactly in a position to at least use the evidence I provided (in this case, the evidence included the customer clearly admitting to friendly fraud), and feed it into their fraud-prevention system in some way. This way, lots of signals can help protect merchants from friendly fraudsters. So yes, I see it as a pretty small and legit ask from Stripe.

But they have my record as a merchant (successful charges, chargebacks, disputes etc), they have the payer record as a consumer (payments, chargebacks etc), when a merchant submits a dispute, they provide evidence. I provided evidence from DHL that the product was delivered.

No single piece of data is enough on its own, but Stripe is in a perfect position to use all those pieces to be able to better detect fraud.

Yet they explicitly do not use this data at all.

I don't think Stripe did the right thing here. They can do better to protect their own customers.