Fraudulent chargebacks is bad, both economical and psychological. As an online seller it is part of life, but you want to keep it to a minimum, say < 1% of all transactions. I wholeheartedly support the sentiment of the OP, do not use Stripe nor do this in-house. Instead, use a payment provider with a proven fraud protection system, such as PayPal.
Fraudulent chargebacks is bad, both economical and psychological. As an online seller it is part of life, but you want to keep it to a minimum, say < 1% of all transactions. I wholeheartedly support the sentiment of the OP, do not use Stripe nor do this in-house. Instead, use a payment provider with a proven fraud protection system, such as PayPal.