Apple Card (or Goldman Sachs maybe) do require the customer to validate (I just went through like 6 chargebacks because a company continued to charge me $130 a month for something that I had cancelled 6 months ago when they raised prices without telling me). So it seems that stripe isn’t doing it, not banks in general.
Stripe simply passes through communications between merchants and banks, Stripe has nothing to do with deciding disputes. Source: I deal with this every weekday and sometimes on weekends.
Apple Card (or Goldman Sachs maybe) do require the customer to validate (I just went through like 6 chargebacks because a company continued to charge me $130 a month for something that I had cancelled 6 months ago when they raised prices without telling me). So it seems that stripe isn’t doing it, not banks in general.
Stripe simply passes through communications between merchants and banks, Stripe has nothing to do with deciding disputes. Source: I deal with this every weekday and sometimes on weekends.