I didn't really think of it until I read this but it appears to highlight a situation I once had, and I assumed it was just down to a shitty Wordpress plugin implementation. I got 'declined payment' errors twice and, what's worse, the money was still taken from my account on both occasions! In one instance it was refunded five minutes later but the second failure didn't get the same treatment, so Stripe had rejected the payment after taking it, but my bank saw it as fulfilled.

I was lucky that the particular merchant was a friend, so I could personally reach out and see his side of the accounts and submit it as evidence to my bank, but I didn't think for a second that I could trust Stripe to handle that despite their involvement.