bruhok | Stripe Developers | Page 1

willow galleonBOT Sep 14, 2022, 7:40 PM

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tepid hamlet Sep 14, 2022, 7:41 PM

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(I'm a user) I don't think you can force a bank to initiate a 3DS - you can't force the bank to assume liability.

urban briar Sep 14, 2022, 7:42 PM

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Oh

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But whats the best rule to activate to prevent disputes?

tepid hamlet Sep 14, 2022, 7:43 PM

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Set fairly sensitive Radar rules, and always run the 3DS when the banks ask. There really isn't a way to stop all disputes - just reduce them.

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As far a Stripe works, they advise to load the stripe.js client library as "high-up" in your code as possible, so it's active on all pages - that way they can use a wide variety of "signals" (user behavior) to better detect many forms of fraud.

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But, real-world story: I ran a jewelry gallery for over a decade. A long-long-time customer had made a purchase over a year prior - but her husband didn't know, and disputed the charge. We had all the paperwork, including signed receipts, so we won - but a dispute can happen at any time. But that was the only dispute we had in 10 years.

#bruhok