Comment on Can we please make a viable (federated!) amazon alternative? I have an idea!
pr06lefs@lemmy.ml 2 weeks agoI wonder if you can ‘outsource’ trust by relying on payment systems? If a seller uses stripe and scams some users, stripe would freeze their account right?
PhilipTheBucket@ponder.cat 2 weeks ago
Correct. Someone orders something, it doesn’t arrive, they dispute the charge with their merchant, their merchant and Stripe talk to one another, and basically unless there is some pretty massive indication that the buyer is lying or has a consistent pattern of this or something, the buyer gets their money back. If that happens a bunch, the seller loses their Stripe account.
The system is heavily biased in favor of the buyer, which for the most part works out, because most of the fraud exists on the seller end. And on the whole the fact that 99% of people on both sides are not cockheads trying to abuse the system, is what makes it all work reasonably well.