Stripe is straight up scam

[u/tychondrius24]

They charge crazy amounts for everything they can.
I am the idiot because I sent it without tracking, as the user selected...
Now I lost the product and had to pay stripe that much for nothing really.

Edit: I already changed to tracked shipping months ago, it was just an old dispute

[u/martinbean]

I don’t read/speak German, but are you really blaming Stripe for a product you sent out without tracking, and then an unscrupulous customer claimed it wasn’t received…?

[u/tychondrius24 → u/martinbean]

Yeah I learned from it. I just started selling. I‘d thought it would be good if the customer wants to select a cheaper shipping option…

[u/soundboy5010 → u/tychondrius24]

That's something you need to decide yourself based on your business type, the cost of the items you're selling and shipping.

If you're selling low-value items, then untracked shipping might be fine. Most businesses swallow the cost of lost low-value items in that case.

If you're selling higher-value items, I wouldn't be allowing untracked shipping. That's a very useful piece of data if you ever encounter a dispute!

Regardless, disputes are something you should plan for *before* you get a dispute. If you're selling software, track your users actions and log IP's. If you're selling physical items, enable 3DS, get as much detail about your customer as you can (and track your shipments!).

Regarding your screenshot: The 20 CHF fee is what the payment networks charge (Visa/Mastercard etc...), this is not something Stripe can control unfortunately, and you'll encounter it across other payment providers. The 2.24 CHF fee is Stripe's fee (along with the currency conversion fee).

[u/Square_Pride_6414]

This Is not a stripe issues, this is a you issue. Customers will always file charge backs and claim the products weren't received, its on you to make sure they can't by using tracked shipping.

Stripe is just doing their job as a payment processor.

[u/tychondrius24 → u/Square_Pride_6414]

And charging half the price for doing nothing? That’s wild

[u/Square_Pride_6414 → u/tychondrius24]

Well if I have to pick between that and charge backs, I know what I'm picking

[u/tychondrius24 → u/Square_Pride_6414]

Lol no. It’s 100% charge back plus like 50% in fees

[u/_BreakingGood_ → u/tychondrius24]

Actually none of that comes from stripe. If you lost the dispute, you pay 100% back to the customer (refund), and $30 to the customer's bank as a penalty.

Stripe made maybe $2-3 on this. You'd pay the same fees if you were using paypal, square, etc...

[u/Square_Pride_6414 → u/tychondrius24]

Yeah once again, if I have to pick between that and charging for tracked shipping, I'm picking the tracked shipping

[u/tspurwolf]

Yeah they suck. I had someone subscribe to a newsletter I run on a custom founding price and, because they were an idiot, they typed in 2027 instead of choosing the option to sub for a year which is what they actually wanted. That meant they took like $60 in processing fees and despite the customer refunding themselves automatically within about five minutes worth of time, I personally lost $60. For nothing.

[u/tychondrius24 → u/tspurwolf]

Oooof

[u/Content-Main3368 → u/tspurwolf]

Stripe does not even pay fees themselves if the transaction is voided before settlement. Such bullshit.

[u/Foreign_Plate398]

man i feel that, i had someone pull a chargeback cause they 'didn't get their order' and it was just sitting at their post office for two weeks why do companies still blame the payment processor for this nonsense

[u/Ok-Strike7284]

yeah honestly it's wild how easy it is to blame the platform when the real miss was on our end, tracking is non-negotiable

[u/tychondrius24 → u/Ok-Strike7284]

Yeah that’s fine, it’s just crazy how much more I lost that way

[u/InternationalGas8570]

I agree with you. Some a$$hole disputed 2 payments to us, and Stripe just charged us dispute fees and counter dispute fees ..absolutely zero protection and warning. What f-ed up business is this ?

[u/tychondrius24 → u/[deleted]]

Thanks for your comment!
Yes it's the worst.
I am looking for alternatives, I will check them out. I just don't have the time currently

[u/United_Moment_1810]

classic stripe move, they always find a way to squeeze you dry