Small digital product. My policy is essentially that I refund anybody who asks, no questions, and I have always thought of that as generous and low friction. Despite that, disputes have gone up over the last few months.…
Small tool, mostly $12 one off purchases with some subscriptions. Last month: 190 transactions, 3 chargebacks. Two are 'I don't recognise this charge' and one says the product didn't work. That's 1.6%, which sounds…
Signed up Friday evening, ran what my logs say is 4,100 jobs by Sunday, which cost me somewhere around $180 in compute against their $12. Monday morning: dispute filed, reason given as "services not received". I have…
Woke up to a dispute notification. Customer had been billed three times at $29, used the product the whole time based on my logs, then filed a dispute on the last charge with the reason listed as fraudulent. Stripe took…
Someone disputed a twenty nine dollar charge as unrecognised. I spent about an hour assembling evidence: signup timestamp, IP, their usage over six weeks, the terms they accepted, the receipt email. Lost anyway, and on…
14 day trial, no card required. Over three weeks one person created roughly 60 accounts from what is clearly the same mailbox same name with dots moved around, and a batch with plus suffixes. Same browser fingerprint,…
Noticed a pattern in my signups table: eleven accounts over four months, all Gmail, all the same string with the dots moved around. Same trial, same features, presumably the same person. A couple came from the same IP.…
One time purchases, $34 each. Three disputes in the same month, all coded as unrecognised or unauthorised, and all three from people I am fairly sure genuinely bought it. The email from my processor was polite but…
One off purchase, $39, with a no questions asked refund policy because that felt like the decent thing to do. Two refunds so far. Both people had generated and downloaded their complete export within an hour of paying,…