Just FYI, my wife has to fight a lot of outright fraudulent Stripe disputes filed against the company she works for (things like a customer claiming they never received <digital goods> when she has an extensive paper trail of them receiving, using, and thanking the business for said goods) and she's mentioned how Stripe's signals aren't especially accurate--in the past month she's won several major disputes that Stripe predicted she had a low chance of winning. You can't win them all, but it's not totally futile!

I just refund autmoatically when there is a early fraud warning, not worth the fight. We had lot of issues from Brazil, who all just falsely claimed their creditcard was stolen.

If we get our dispute rate down, might consider trying fighting it again, they are always our lowest tiers of 19 or 29 usd. So not really worth it. Just frustrating it's such a terrible process on our end. Also twice users are open to withdraw it when I contacted them, yet their bank / card doesnt make that easy or possible, so they still count to our dispute rate.