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They should not accept the payment and then keep the money. Why not reject it in the first place (too large of an amount)? $3000 reasons.


They aren't "keeping the money," it is in escrow until the dispute period ends.


And who owns this "escrow"? I bet it's Stripe. That money is sitting in their accounts collecting interest that they definitely want (spoiler, they make money off keeping your money in your accounts not just off processing fees).




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