Not an extra $58. By the time you refund you’ve already paid the fee, stripe just don’t refund your fee to you.

Put that way it's ridiculous enough if you are not refunding. Someone should do a points-free card with decent security (2fa on each purchase?) to minimise fraud that just gives say $50 cash of that to the consumer. They can then knock off 2.5% of whatever price they see in the store when thinking about what to buy. Such a card would be popular for expense accounts!

If so it probably means the cost will be passed to consumers via higher prices and inflexible return policies.