[philsquared_]

I am assuming its different for everyone. I have had digital delivery products (think cd keys) that were absolutely pointless to fight.

I have also had service products and at least 50% of those are rejected even with concrete proof of the customer literally saying they received the product as advertised.

Heres what I ended up realizing. Your dispute isn't with the cc's or with stripe its with the customers bank. The bank has basically no incentive to side with your business over their customer.

I never saw that table before but that is absolutely pathetic. The best case scenario (5 stars) is a 60% chance of winning a dispute?

Depending on the amount of money I would write off disputes. Sometimes we take to small claims court and present literally the exact same evidence we do to the bank and we have won 100% of those.

I have found it is better to try and vet the customer before doing business with them but depending on the business this isn't always possible.

The system is rigged to be honest. Friendly fraud is multi billion dollar problem that banks have no motivation to solve.

[king_of_goats]

I see literally no benefit to challenging the disputes, assuming you don't care about getting the money back and would rather not waste the time/energy on the challenge process.

The ONLY thing I might be getting wrong in my case is this: Perhaps Stripe has some kind of "internal monitoring" metrics that tracks how users respond to disputes, and maybe there's some kind of "accept vs. challenge" ratio they use to assess account standing and risk likelihood. If that is the case, my assumptions may be wrong here and this may be the wrong strategy. Would love to hear input from somebody at Stripe on this question. Wasn't the Stripe cofounder crawling around on this site last week answering some questions? Where's he at now? lol