I used to use the same, the amount of frauds on this is staggering.
I had a lot of fraudulent transactions in the few weeks before XMAS from different countries and counties
And you are responsible for it. How convenient for those companies.
Fraud prevention process with this company is fairly poor compared to others. They will pay you, then 30 or 60 days later money will be charged back, so you have to refund them. Plus they charge extra fees for every fraudulent transaction, guess what? You have to pay them too.
According to their conditions, same as many other payments processors, you are responsible for the fraud. So any card that is charged back, you have to refund, even if you sent goods and are out of pocket. That is your problem.
Stripe of any others are the same. No way around.
So be careful with this.