On the opposite side of this discussion, I have had a client purchase an expensive item using his credit card (Citi Bank), and I use Stripe for the business end of the credit card transaction. His wife did not recognize the transaction and marked it fraudulent. He wrote and submitted a Citi Bank disclaimer stating the charge was indeed valid. The account is in his name. I also submitted this form, along with proof of receipt of the phonostage amplifier, and customer satisfaction with the product.
Stripe fined me 10%, I was required to wire the funds to Citi Bank for additional charges. Stripe now holds 25% of my sales in a 6-month non-interest escrow account to offset such 'friendly fraud' chargebacks. This also is negative on my business credit - regardless of resolution, the incident is a fault of the business. I also can not switch from Stripe to another carrier for at least 6 months due to this assessment.
Citi Bank did not honor the payment. Per the terms of credit card services, I can not demand an alternative payment although I did request it. He legally can keep my product without payment and I have no legal recourse. This customer resides in the US and chose not to honor alternative payment.
This event has caused us as a business to reassess purchasing terms and it also certainly affects our ability to provide the best pricing for other customers.