chargeback of $25 out of thousands of transactions per month? 1 chargeback every 2-3 years?...man you dont know how good you have it...now imagine Stripe cancelling ur account because of too many chargebacks. thats actually being fscked by Stripe, you are complaining for a missing peanut
Regarding the customer, who knows? Unless they reply to you, you're guessing. It could be a legitimate case of a stolen card or they could deliberately trying use your service without paying. In this case, it sounds like you should indefinitely disable that user unless they explain.
Regarding the bank, I assume they will almost always side with the customer, lest they lose their business. There's no nuance, they aren't going to spend much time understanding your logs because there's no upside for them.
Regarding Stripe, I assume they are mostly passing along costs.
Given your chargeback rate, I don't see why you should lose any sleep over this, it's a cost of doing business.
> The customer logs in to the billing interface ( which remains active for allowing users to update their CC in case of problems), he adds in his CC again AND pays the last invoice again. Then the next day he does a second chargeback.
Sounds like in case of chargeback, you should lock out customer account until they contact support. If this was an honest mistake - then unlock is one email away. If it's not, you are not messing up your chargeback rate.