Re:What happens when you pay PayPal $15k in fees?
by edwinwee on Thursday July 06, 2017 @06:34PM
(#14714513)
Hi there, I work at Stripe. Sadly, the cardholder's bank ultimately makes the decision on who wins disputes, and we don't have the ability to reverse them. For some context, when a dispute is initiated, the bank automatically refunds the payment, and provides a window for you to submit evidence—and then they decide who wins the dispute. Frankly, this system's pretty antiquated—and oftentimes, they do favor the cardholder, but we want to help you fight back in any way we can (both in preventing disputes, and also responding). I'd love to take a closer look into this if you email me at [email protected]
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Re:What happens when you pay PayPal $15k in fees?
by gnicholas on Thursday July 06, 2017 @07:04PM
(#14714679)
> Sadly, the cardholder's bank ultimately makes the decision on who wins disputes, and we don't have the ability to reverse them
You absolutely have the ability to not charge me a $25 fine (which appears to go to Stripe) when all of the evidence from the customer and the vendor show that it is a valid charge – and the customer has in fact told the bank to reverse the flag on the charge. What basis is there for charging a fine for something when the underlying charge has been reinstated by the customer?
Instead of a reasonable process, I got the runaround for months and bogus excuses (e.g., driver's license request). As another commenter mentions, your dispute resolution system is so poorly set up that it's not worth jumping through your hoops — just to lose at the end of the day. I am actively looking at an alternative processor because this was such a hassle.
Re:What happens when you pay PayPal $15k in fees?
by CodeWriter23 on Friday July 07, 2017 @10:05AM
(#14718379)
The driver's license request is seriously absurd given Stripe controls the UI for collecting payment details, and that UI does not ask for D/L information.