Stripe Disputes - Data & Comparison, your experience?

Hi, I wonder what is your guys' experience with Stripe disputes %, as well as the data Stripe risk insights provide and how to battle them better?

Here's some data:


So the numbers are for the last 12 months for a hosting/site-management/SEO/indexing/saas business.
26,547 successful payments
79 disputes/chargebacks
So 0.26% dispute rate
About 25% of these were won.

- Been on Stripe for 3-4 years, during the last 12 months the amounts of card testing and attempts of fraud have been INSANE. Lots of these are script based / automated, scammers trying sometimes hundreds of cards until one passes, I have Stripe's paid fraud prevention and a guy with a dedicated daily task to review payments but it's impossible to completely eradicate. What I am having issues with are Stripe's definitions here.

1) Stripe states this:


That said, I have contacted about 10 acquintances of mine in similar online-services businesses about chargeback fraud (all of which 100% white-hat), NONE of them have a fraudulent chargeback rate below 0.5%, looking online Software and SaaS average chargeback rate is 0.66% based on multiple sources, even retail has an average of 0.5%. So do you have an idea what is this bullsh*t data?

Does anyone have better ways to protect against financial abuse beyond Stripe's built in options?

Stripe is plain shit and robbing people of their money, I have over 140k frozen there.

This is actually a great post and data analyzes.

Ye I am not sure why Stripe is stating that.

Maybe due to majority of businesses having low amount of payments done?

Then it would make sense as in 1k sales you only have 1 dispute or non, but even with 1 dispute in 1k sales it would be 0.1%, weird.

The only reason for this is that 3d security is not fully active in stripe.