I had two chargebacks on my service using Stripe (https://breaker101.com/ </shameless-plug>), and successfully fought both of them. Just throwing that out there.
how does paypal handle these ? When there is a dispute, I refund the amount and thats it. Paypal bears the chargeback and Stripe passes it to the merchants ?
Re:IndieHackers.com acquired by Stripe
by shmolyneaux on Tuesday April 11, 2017 @10:25PM
(#14094244)
Software Engineering Daily had an episode[0] on fraud detection at stripe using machine learning. If you're interested it provides quite a bit of background information.
[0]: https://softwareengineeringdaily.com/2017/03/17/stripe-machi...
That being said, $15 is a low chargeback fee (damn close to cost the issuing bank & platform charge), generally you'll see a $25 to $30 chargeback fee with a $20 to $75 retrieval fee.