I recall thinking a few years ago that offering batching as a business built atop stripe sounded like a neat business -- effectively letting users choose a batching solution if they desired, but after closely reading the Stripe Terms of Service, I think it appeared to be disallowed.

If Stripe were willing to allow third parties to act as a batching passthrough (or if I was wrong and you do!), this seems like a low-cost way to let the market decide what an acceptable refund/statement descriptor regime should look like.