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.