[HN Gopher] Ask HN: Stripe is holding 50% for 9 month
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       Ask HN: Stripe is holding 50% for 9 month
        
       I would like to know more about how Stripe assesses the risks
       around future refunds and chargeback.  I understand that there
       needs to be a safety margin and risk hedging but 50% for 9 months
       is going a bit far.  We are a small recreational property manager
       in the Netherlands. We switched from Mollie to Stripe earlier this
       year because our new PMS works exclusively with Stripe. Never had
       any problems with Mollie in the past.  We charge 20% commission for
       our services and pay out our owners on check-out date every month.
       Currently we have something over EUR600k tied up until April 2024.
       This is money from stays that have already been and we have to pay
       out to our owners.  What are your experiences with percentages
       withheld and the length of it? How do these decisions come about,
       what data points do they use? Are they able to analyze at all on a
       case-by-case basis?  Is there a change of getting this amount payed
       or are we f*cked?
        
       Author : MarkDJong
       Score  : 9 points
       Date   : 2023-07-10 21:18 UTC (1 hours ago)
        
       | edwinwee wrote:
       | There are a bunch of factors--we look at your refund and
       | chargeback rates, then your revenue and how much you have in your
       | Stripe balance. For macro factors, the card networks may also
       | sense an uptick in refund requests depending on the
       | product/service you're selling.
       | 
       | That said, I see your email into our support team and we're
       | taking another look at this now.
        
         | dmitrygr wrote:
         | As always, why bother having real support when you can instead
         | wait for paying customer to bitch publicly on HN?
         | 
         | Sickening.
        
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       (page generated 2023-07-10 23:02 UTC)