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Comment by giveita | Hacker News Reader

This could also be from fraud. Card testing for example, where they aim to figure out missing card details. Or some other nefarious use of stolen card details.

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Yes, we’ve had a few cases where people tried card testing through us. But we noticed quickly and introduced the proper limits. In general, if you redirect the user to Stripe Checkout after clicking Subscribe button, all of that should be handled by Stripe itself and not affect your account. I guess ))

But this is a slightly different story. With chargebacks, almost every time it was just a customer not wanting to admit fault. What’s strange is that they could have simply written to us and asked for a refund. But I guess they realized they were in the wrong, so instead of contacting us, they went straight to their bank.

Yep so strange given it is never easy to get a charge back. Doing one now and it is like pulling teeth. I would heavily chase up a traditional refund before doing a charge back. I suspect some banks are making it too easy.

To be honest, I’ve never personally filed a chargeback, so I don’t really know how difficult the process actually is ))

Yes for me it is last resort. Email chains go nowhere. Mentioned consumer protection laws but nothing. It's the next step before small claims court. Not having a fun day if doing a chargeback. It's very rare.

I’ve always considered the chargeback the last resort “burning the bridge” action. Problem is that merchants lately are getting way worse about customer support.

I’ve been a credit card user for 30 years, and in the first 25 of those years, I only had to resort to chargeback once. In the most recent 5 years, I’ve had to do it about 3 times. Companies in general are just way less responsive now and take their customers for granted way more than in the past.

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