All use cases

Stripe Chargeback Prevention API

Stripe chargeback prevention works best in two places. Fidro checks the customer's email and IP before you take payment, then scores every Stripe payment as it lands, so you can refund a risky one before it turns into a dispute.

What is Fidro?

Fidro is a fraud detection API for developers. One call checks the email, the IP and the network, remembers what it has seen before, and tells your code to allow, challenge or block, so you stop fake signups and stolen cards without building your own scoring. The free plan covers 200 validations a month, no credit card.

The problem

A chargeback costs you the sale, the product and a dispute fee, and every one counts against your account. Visa penalises merchants whose dispute rate passes 1.5% from 2026, and Stripe and other processors can step in well before that.

How Fidro fixes it

Call Fidro at checkout with event: checkout to catch disposable emails, VPNs and location mismatches before the charge. On the Pro plan, connect Stripe and Fidro also scores each completed payment against 25+ risk factors, including one card used across several accounts, and recommends a refund while a refund is still just a refund.

What you get

Check before you charge

Validate the customer's email and IP at checkout and stop the obvious fraud before Stripe ever sees it.

Score every payment

On Pro, Fidro listens to your Stripe webhooks and scores each completed payment against 25+ risk factors.

Refund before it's a dispute

Set your own refund threshold, review the risky payments yourself, or let Fidro refund them automatically.

25+
Payment risk factors
<200ms
Average response
1.5%
Visa dispute threshold

Keep exploring

Try the free checkers on a real address, read every field in the docs, or see how Fidro compares.

All features API documentation Free email checker Free IP checker Compare Fidro

Frequently Asked Questions

How do I reduce my Stripe chargeback rate?
Stop risky customers before they pay, and catch risky payments straight after. Call Fidro at checkout with the customer's email and IP, then let it score each Stripe payment as it lands so you can refund the risky ones before the customer's bank opens a dispute.
What chargeback rate will get my Stripe account terminated?
There's no single public number. Visa's VAMP rules penalise dispute rates above 1.5% from 2026, and Stripe can review or restrict accounts with high dispute rates before that. Every chargeback you prevent is one fewer counting against you.
Can Fidro refund risky payments automatically?
Yes, on the Pro plan. Connect Stripe, choose a refund threshold, and Fidro can refund payments that score above it before a dispute is opened. Or leave auto-refund off and review them yourself.
How does Fidro integrate with Stripe?
Two ways. Call /api/validate with the customer's email and IP before you create the charge. And on Pro, add Fidro's webhook in Stripe so every completed payment is scored as it arrives.

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