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>be retarded boomer
>sign up for $5/mo paid newsletter
>two issues get put into your "updates" folder on gmail
>you miss them because you're too stupid to understand how email works
>email the company at 1am demanding a refund
>mass spam the company's facebook page calling them scammers
>initiate a chargeback at 6am because no one replied to you quickly enough, despite the working hours very clearly being listed as 9-5
>fast forward one month
>stripe rules against you because the company provided email logs proving that you didn't respond to multiple attempts at remediation, and you didn't contact the company further at all, not even to keep pressing for a refund
>you spam the company's facebook page again saying that stripe is in cahoots with the company to defraud you and that you'll be seeking a lawyer
>your facebook account gets frozen for a day due to suspicious activity

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>be retarded boomer
>sign up for $5/mo paid newsletter
>two issues get put into your "updates" folder on gmail
>you miss them because you're too stupid to understand how email works
>email the company at 1am demanding a refund
>mass spam the company's facebook page calling them scammers
>initiate a chargeback at 6am because no one replied to you quickly enough, despite the working hours very clearly being listed as 9-5
>fast forward one month
>stripe rules against you because the company provided email logs proving that you didn't respond to multiple attempts at remediation, and you didn't contact the company further at all, not even to keep pressing for a refund
>you spam the company's facebook page again saying that stripe is in cahoots with the company to defraud you and that you'll be seeking a lawyer
>your facebook account gets frozen for a day due to suspicious activity
I'm guessing that if you have a real merchant processor, they're pretty much neutral in the process and you have to argue the case in front of the credit card company (I've seen this play out a few times)...

But if you're on Stripe, they intervene and forfeit on your behalf.