Banks DO NOT pick up the bill for fraud in the US.   The end merchant&#x2F;seller does.<p>Edit: Downvote all you like. It&#x27;s the truth.  When the chargeback comes, you pay Stripe&#x2F;Paypal&#x2F;Etc a fee, and they yank the funds out of your account.  Whatever item you shipped is gone.<p>Edit 2: The liability shift referred to below doesn&#x27;t apply to online transactions.  Card not present fraud is almost 100% on the seller&#x2F;merchant. And given that the context is Stripe, well..