Reading up on Visa

🏆 For the first time in a decade on @Stripe I've started winning disputes with my vibe coded dispute responder I used to ignore disputes so I almost always lost them, now I've started winning, this one is the first big dispute for $1,199 USD! Whenever a dispute comes in, my site gets a webhook notice from Stripe, it then starts collecting evidence and generates a PDF with entire user's details, when they signed up, and most importantly what they did in the app In this case the user used the app for months, generated thousands of photos then tried to get the money back from their bank The evidence has to be REALLY detailed, and REALLY good, which is why it's perfect to vibe code it, you can get quite detailed with different types of users and activity on your app, and put that all in the PDF I'm shocked because I again I never would win disputes before People in US especially abuse the [ chargeback ] or [ dispute ] en masse, unlike the rest of the world, it's easily built into their banking app next to every transaction, so it's one tap to get free stuff. And why not? You get free stuff! It's destructive for business owners like me on many levels, if I get over 1% disputes on my account, I risk getting shutdown permanently by Stripe, Visa and MasterCard, like permanently for life, not just my business but on my personal name too, it's ruthless Disputes are also super expensive for business owners: you don't just pay back the amount they disputed, for every dispute you pay $30, which you only get back if you win! But with AI we can now create our own tools to fight back against dispute abuse and finally win! 🎉

@levelsio