Original Summary

My business was recently hit by a fraudulent customer who spent over $1200 across multiple transactions over a few days. Every payment was made through Stripe Link.<p>The problem I discovered afterward is that Link abstracts away the real payment method, without necessarily causing a liability shift against fraud.<p>Despite enabling multiple layers of protection (Chargeback Protection, extra 3DS credit card authentication, etc), with a specific intent of shifting liability away from my merchant account, these Link payments bypassed all of those settings.<p>As a former engineer at a payments company, I had assumed that Stripe would do their own authentication before storing a Link payment method, but I was wrong to assume this. Stripe approved all of the fraudulent payments, most without a liability shift, and my business was left holding the loss.<p>In conclusion: If you run an online business accepting payments via Stripe, I highly recommend turning off Stripe Link until they can correct this issue or allow merchants additional controls over which types of Link payments they accept.

  • 情报分类：商业与市场研究
  • 分类依据：内容涉及商业、投资或市场动态
  • 信息来源：Hacker News 新项目
  • 发布时间：2026/9/25 11:02:27