alt Hacker NewsI don't know this is the reason, but if I were asked to build such a system, I'd be pretty worried that it constitutes a consumer report under the terms of the Fair Credit Reporting Act.
Certainly I wouldn't want the inevitable news drama about it. "I'm just a poor innocent grandma, I'm a trusting person when it comes to Facebook ads, and Stripe punished me for getting scammed by banning me from half the stores on the Internet!"
If your card is actually stolen then you should have the card number changed to prevent additional fraud and then the disputes would be against the old card number rather than the new one, right?