How do clients ask for a refund through their banks ?

Hello,

I currently have an online store using Stripe payment gateway. However, as some of you might know Stripe has a very low tolerance for refund requests.

That been said, there are some scammers a few and then that order and ask for a refund the next day through their bank ! Which is something i never thought was possible. I used to think that it's only possible to make a refund request through the gateway and website directly.

When Stripe receives a refund request from the bank they don't argue, they give the money back with no questions asked.

To help me understand these scammers better, i would like to know how exactly is it possible to ask for a refund through the bank, are there any specific procedures that someone should follow in order to get his refund or are the refund requests granted to anybody who ask for them ?

Thank you for your help !

Are these direct payments from bank accounts to you or credit cards?

Credit cards allow you to do a chargeback if the value is over £100 in the UK, some debit cards do too. Google Section 75 Consumer Credit Act or read this here;
https://www.ukecc-services.net/Payingwithacreditcard.cfm

Thread moved.

I have done it at Nat West bank and just filled in a form in the branch. It was for some software that didn't work and at the time Paypal ignored software sales as being covered by their guarantee. Got the money back around 10 days later. $500.

Different payment processor would handle it differently. Sagepay would allow you to dispute it but it would cost you everytime there is chargeback request.

Stripe did not allow you to dispute the chargeback and refunded the customer? Did Stripe also charge you a fee for the chargeback?