This coming from Zed Shaw at least carries more weight than me ranting about this observation on HN.
One of the thing listed in the article that had me really worry was chargeback. And it seems to be quite common in Stripe world. In low margin world $15 is quite a lot unless you have volume.
Enough people boycott PayPal to make a web developer choose another payment product. He writes about it on HN which amplifies the boycott’s message to tens of thousands of readers. Some of them will join the boycott. PayPal’s PR department is presumably unhappy about this reason now coming up in searches like “PayPal vs Stripe.” And it didn’t take any centralized organizing.
If you win the dispute, we credit you $15 because we feel it's the right thing to do.
You might have different agreements, because you negotiated lower prices because supposedly you have better fraud detection etc.. But that's not the same as "because we feel it's the right thing to do".
On the side of the merchant you do the same.. with "Stripe Chargeback Protection", but you charge for that.
You took a part of the bank's/card's business (risk management), and that's fine, but please don't tell us stripe is doing things because you feel anything.