FraudPulse @FraudPulse

I just published One of the most important numbers to understand if Stripe warns you about your disputes is your… medium.com/@yaniv_94679/o…

Winning a Stripe chargeback feels great. Your dispute rate? Still trashed. Visa/MC count all disputes, win or lose, against your monitoring program thresholds. Even a 0.9% rate is dangerous. Your acquirer sees them all. Prevention is the only fix. Win rates are vanity.

The real cost of friendly fraud and how to fight it Your biggest fraud problem isn't stolen cards. It's friendly fraud, and it's often 60-80% of your chargebacks. Most merchants are losing a fight they don't even know they're in. What is it? A legitimate purchase, then a chargeback. 'Item not received' when tracking confirms delivery. 'Unrecognized transaction' by the actual cardholder. Sometimes malicious, often simply opportunistic or forgetful. The cost isn't just the product. For a $100 order, you're out COGS, shipping, processing fees, and typically a $15-25 chargeback fee. Your real loss is closer to $150-175+. Plus, it dings your merchant account standing. Your playbook: Proactive comms (tracking emails, delivery confirmations). For disputes: submit *everything*. IP, AVS/CVC results, billing/shipping match, timestamps, customer service logs. Don't just auto-accept. Data wins. #DTC #Ecommerce

@harryprofitguy That is what we do!!! Shop Pay works. But your Radar rules need tighter AVS, velocity checks.

@ecompayouts @0xRajat Card testing costs. Rate limit failed attempts per IP quickly.

@mpieras @stripe 0% dispute rate is good. Let Radar learn. Are fraud-pulse.com helps optimize rules.

@DomP_9 That's brutal. Sellers eat all chargebacks, even as MoR. We built fraud-pulse.com.

@TheSITherapist @AndrewCurran_ That $140 chargeback risk is solved with stronger vault pre-screening.

@suftrader @venelinkochev Adding their IP and shipping address to that helps.

@microtintin0 @bkecom @Shopify @ShopifySupport Zero chargebacks doesn't cover all risk factors, unfortunately. fwiw, fraud-pulse.com maps hidden risk triggers.

@oskarecom @Shopify @harleyf @ShopifySupport 0.4% is brutal. Sometimes it's their internal ratio of sales vs fraud prevention spend. fwiw, we built fraud-pulse.com, an AI fraud analyst that suggests specific rule changes.

@qirraquinn @chuckiegregory That chargeback software 'mafia' hits home, for sure. fwiw, I built fraud-pulse.com to optimize Stripe/Shopify fraud rules for chargebacks.

@uditbatra1990 @driaug_ @stripe That same card, new email issue is a Radar blind spot. Custom rules, man. This is the reason we created FraudPulse to solve this precise problem. Helping merchants optimize their fraud rules, reduce chargebacks, and protect their revenue

Stripe Radar, Shopify Flow, Blockify, and Adyen RevenueProtect are only as good as the rules you give them. FraudPulse reads your transactions and chargebacks, then tells you exactly which rules to add or change, with estimated fraud caught vs. good orders blocked. Keep your stack. Make it smarter. fraud-pulse.com

I just published Declining More Transactions Reduces Fraud — and Loses Good Customers medium.com/@yaniv_94679/d…

@0xchewa @entropyIO Be careful it's probably a scam

@kamhossieny That's the whole idea behind FraudPulse: sort chargebacks by type first, then recommend rule changes with the expected fraud caught vs. good orders blocked. Diagnosis before prescription.

You just hit 0.9% chargebacks on Stripe.They don't send a warning. They just start holding your money.For a DTC merchant, this is often the first, painful sign you're in trouble.Specifically, Stripe will likely place a rolling reserve on your account. Common terms: 10% of daily volume held for 90 days. For a $1M/year store, that's $25,000+ in sales locked up, impacting critical cash flow. This isn't a "maybe," it's a "when."If your rate continues to climb past 1.0% (or 100 disputes/month), you're on Visa/Mastercard's radar. Stripe *must* report you to the MATCH/VMN databases. Getting listed means other processors will flag you. It's a black mark that takes years to clear and often raises your processing fees.Before it gets to any of that, you need to dissect your chargebacks. A "dispute" isn't one thing. It's friendly fraud, true fraud, or operational error. Each type demands a different response. Blindly tightening Radar rules without knowing the 'why' will crush good conversions. Most merchants just react by blocking IPs or raising generic Radar scores. That's a blunt instrument. You need to know if 60% of your disputes are friendly fraud, 30% true fraud, and 10% ops. Your fraud strategy changes dramatically with that insight.

Exactly. And the reason code is only a starting point. A lot of "10.4 fraud" disputes are really friendly fraud: the cardholder got the order and picked "fraud" because it's the easiest button. Sort by what actually happened, not the code they chose, before you touch a single Radar rule.

#FraudPrevention #StripeRadar x.com/i/article/2104…

I just published Fraud Trends 2026: Deepfakes, AI Agents, and the Sophistication Shift medium.com/@yaniv_94679/f…