Stripe high-risk threshold (chargebacks)
1.00%
Source: Stripe DocsScenario
Marketplace split refunds and seller chargebacks
Two-sided marketplace on Stripe Connect, where a buyer refund has to claw money back from the seller and possibly from the platform fee at the same time.
Reference numbers
What the math looks like in this pattern.
Illustrative pause window
7 days
IllustrativeBefore Axiru
The pain we hear about over and over in this pattern.
- When a buyer disputes, the platform refunds them out of platform funds, then chases the seller for repayment over email.
- Seller chargeback rates are visible in Stripe Dashboard but not in the platform's own admin, so seller risk reviews lag.
- There is no policy that says 'pause payouts to a seller with three chargebacks in the last seven days'. It is a Slack message every time.
- When the platform absorbs a buyer refund as goodwill, the financial entries do not differentiate platform-funded from seller-funded refunds.
Configuration
How Axiru is set up for this pattern.
These are the policies a finance or ops team would typically enable on day one. Thresholds shown are illustrative; you tune them to your own materiality.
Seller chargeback velocity
payoutsIf a connected account accumulates three or more chargebacks in a rolling seven-day window, payouts are paused and the trust team is alerted.
Platform-vs-seller refund attribution
refundsEvery refund decision is tagged with funding source (platform, seller, split) and surfaced in the audit log.
High-value buyer refund pre-check
refundsRefunds above an illustrative $1,000 threshold check seller payout balance first and warn if the clawback would put the seller negative.
Signals to watch
What you should be measuring once this is running.
- Seller pause rate, week over week. A healthy marketplace has a small but non-zero number.
- Average time from dispute initiation to evidence submission. Axiru should reduce this once policies stabilize.
- Share of refunds that are platform-funded versus seller-funded.
What good looks like
The steady state if the configuration is doing its job.
- Risky sellers get paused before the chargeback ratio crosses the Stripe network threshold.
- Finance can answer 'how much have we absorbed on buyer goodwill this quarter' in one query.
- Trust and safety has the same view of seller risk as Stripe does, in real time, in the platform's own admin.
Framing
Pausing a seller used to be a Slack-message-plus-DM ritual. Now the policy fires, the seller gets a templated email, the trust queue picks it up.
Next step
Run the marketplace split refunds and seller chargebacks simulation on your own data.
Upload 90 days of refund history. Axiru replays these policies in shadow mode. Nothing actually blocks any money until you flip the switch.
Start in shadow mode first. Move to live enforcement later.