bodomalo

I doubt any of those payment providers mentioned does not take the chargeback fee on a credit-card dispute.

Anyway, they might handle customer-communication with the merchant better.

Stripe offers nothing. If the customer could "contact" the seller, everyhting would work out better.

Just think - you have only 11 CHARS(!!!) to describe your service, thats what the customer sees on his monthyl CC bill. I am unable to describe it to everc customer in 11 chars, so 1 out of 1000 belives it was fraud because people do not remember what they bought online.

Simple. Add a 5 Cent Payment fee to every STRIPE Payment.

That is still legal. Customers do not like it of course to see different prices. But hey, thats how you have to teach them.

Paypal is better in disputes..but its also more expensive (for me).

The good thing is: In the future I do not have to care about disputes on stripe, I can just upload a paper saying "fuck you all"..I loose my money anyway.

Hellooooo - they change it in April. Thats what we talk about.

You are not singed up with stripe. You never had a chargeback You do not know anything about reality. Sorry - wake up bro.

Correct, Stripe system is useless.

Bank decides what they want to give their customer back. They ignore all your facts. Why should the BANK give a stranger money, if they can give money to their customer?

Are you 5 years old? Waste of time to talk to you

Boy, it is not legal in ANY European Union country. Ok?

Especially online, the law says: Customer gets back ALL of his money, every cent.

You will be sued by customer protections in a minute if you act like that. Do you seriously run a business???

The system you talk about is called PAYPAL.

Paypal is able to step in BETWEEEN - bevore the customer is able to start a stupid and complicated CHARGEBACK at his bank. Very often you loose a paypal case. But: That means only the CHARGE(money) goes back, but the bank can not take a 35$ fee for chargeback too.

You understand?

I am selling 99 cent downloads. On Paypal I loose nothing (99 Cent goes back) On stupid systems like stripe, where they do not handle any customer-communication - I loose 20 Euros + 99 Cent. Complete desaster.

I will add a 5 Cent extra fee to stripe payments in the future to handle that high chargeback fee. That will work into paypals hands.

They go to their bank, they say: I have not done that.

And their bank wants to have their customer with them - so they steal the money from the merchant. Thats what they are allowed to do.

Think about it: a) The customers bank is the ONLY judge, they can say: Merchant, you lost the dispute. b) The bank wants to do something in the favour of THEIR customer, why should be bank decide in the favour of a NON-CUSTOMER (the unknown merchant)

This system is complete bogus, nonsense and just stupid.

There is around 0,1% customers around who are just a...holes and try to get back some money. If they know how the system works, they do it. For example: If you loose your credit card you can go to the bank and say: All payments before date XY are not mine. There might be 1 illegal payment, but they can say: Everything since November was fraud. Bank will believe them.

I have "online customers" who did that, and I did not even get their contact details to sue them.

Stripe has the worst DISPUTE Handling on the market. Compared to PAYPAL they simply offer "nothing". They do not help in the communication with the buyer, so the buy has no other option than to start a dispute with the bank. In 15 years I never had one BANK-CHARGEBACK with Paypal - simply because Paypal has installed a communication system between BUYER and SELLER. Stripe not. On Paypal I can work it out with the customer every time, or Paypal will say: "We send back that money", or tells the custome "you got the goods, you loose"

Stripe is comparable expensive (1.5% fee) compared to what big companies pay (0.1%) handling payments. Customers do believe that there is NO FEE at all for payments, they believe they just get back their money. I am handling payments of 0.99 Euros..that has become impossible with STRIPE now, if there is a risk of paying back 20 Euros dispute fee.