Stripe has a customer's bank saying "the customer says they didn't make this payment" and you saying "the customer told me they did make this purchase and got the item and they're making fun of me".

They have no way to know if your evidence is real, any more than the bank has a way to know if their customer's evidence is real. Either one (or both) of you could be full of shit.

In that world, what would you like Stripe to do better?

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gingerlime 3 hours ago | parent [-]

What do they feed into their Radar machine learning system? surely there are lots of signals to use here. I'm not saying take only my word and ban this customer forever.

But they have my record as a merchant (successful charges, chargebacks, disputes etc), they have the payer record as a consumer (payments, chargebacks etc), when a merchant submits a dispute, they provide evidence. I provided evidence from DHL that the product was delivered.

No single piece of data is enough on its own, but Stripe is in a perfect position to use all those pieces to be able to better detect fraud.

Yet they explicitly do not use this data at all.

	▲	akerl_ 3 hours ago \| parent [-]
		Based on the quote you provided, the CSR was very specific that what they don't use is merchant-provided evidence. They didn't say they don't leverage information about chargebacks or other disputes.