Once upon a time, if a small business owner using a payment processor gave their one of their customers a refund via a payment processor such as PayPal or Stripe, the payment processor would return most of the transaction fee charged at the time of the initial purchase. In the case of PayPal and Stripe, this is 2.9% of the purchase price plus a fixed charge of $0.30. The processor would keep the $0.30 and hand back the 2.9%.
A couple of years ago, both PayPal and Stripe started keeping all of the transaction fee, leaving businesses using these payment processors out of pocket when providing a refund to their customer.
Now, Stripe is bringing in a fee of $25 on every transaction dispute charged to the business owner, even if the dispute is found in the business owner's favour.
/ourguy/
@larossmann points out how this can be weaponised by bad actors to target business owners by purchasing a bunch of small items (< $25 each) on separate transactions, and then getting chargebacks on every single transaction, wiping out both the seller's margin
and the cost of the goods sold. Sure they get the goods back, but even if resell it for their usual price, they'll still be in the hole.
Perhaps it's for the best that Null has been locked out of the payment processing system, as it'd open up an obvious attack vector against him.