It seems worse than that. Now there will be 2 layers of possible false positives - your card and your merchant's payment processor. I can understand a merchant opting in to a sift science like service, but having it built into the processor seems like a bad idea.
Stripe has no relationship with the end user, and should not. A legitimate buyer can't possibly be expected to call into Stripe to verify a transaction before or after a purchase attempt like they could to their own credit card or bank.
Stripe has no relationship with the end user, and should not. A legitimate buyer can't possibly be expected to call into Stripe to verify a transaction before or after a purchase attempt like they could to their own credit card or bank.