When a mainstream store racks up chargebacks, it   gets a warning letter and a rate bump. When a peptide store racks up chargebacks, it loses the merchant account it spent weeks of underwriting winning — and there’s no Stripe to fall back on. That asymmetry is the whole subject.

The trip went perfectly. The sunset photos are already framed. And ninety days later, the traveler’s bank quietly hands them their money back — at your expense. If that sounds rare, it isn’t. Visa estimates that as much as 75% of chargebacks in digital commerce are friendly fraud: legitimate customers