Let’s say an employee of one of your payment processors signs up for your service. Then, shortly after doing so, they write to you claiming that you’re too small of a business for them to trust and ask for a refund.
In this scenario you specifically warn customers twice on signup that there are no refunds because you’re tired of people using refund requests as free trials and would rather them just not sign up. Fees exist after all, and these do amount to negative revenue (which stacks over time). Just to build some foundation for “why” you decline their request.
Then they file chargeback with their credit card stating “Product unacceptable.”
Now me, I’m thinking that after the purchase they found our account with the payment processor and used it to judge a small portion of our financials, then used whatever chargeback reason they know is statistically likely to win for them based on their inside info.
This seem shady to you or no?
Edit: Now the stripe employee has begun threatening me for working according to the policy they agreed to at signup.