Worried that a viewer will take a tip back? No card payment removes that risk completely, but in the UK you have one option that does: Pay by Bank. This guide explains how refunds and card chargebacks work with DonoLink and Stripe, and how to keep the risk low.
A refund is your decision, for example after a tip sent by mistake. A chargeback, or dispute, is opened by the cardholder with their bank. The bank reviews the case and can take the money back.
With Pay by Bank the viewer approves the payment in their own banking app and the money moves straight from their account. These payments cannot be charged back like a card. Stripe charges 0.5% + 20p, capped at £5, and the option appears on your page once Stripe has activated it for your account.
Card tips stay disputable, so never treat a card payment as final the moment it arrives.
Because each tip is a direct charge on your connected account, a dispute lands on your Stripe account. Stripe notifies you and you can submit evidence under its rules; Stripe may charge a dispute fee under its terms. In DonoLink the tip moves to refunded or disputed status and drops out of your totals.
Some habits that help:
An alert shown live cannot be undone, but a disputed tip no longer counts towards your goal or income. Treat a tip as final only once the dispute window has passed.
By card, yes: they can open a dispute with their bank, which decides under its rules. Pay by Bank payments cannot be charged back.
Yes, through your Stripe account or by contacting DonoLink support. The tip then shows as refunded in DonoLink.
Stripe may charge a dispute fee under its terms, and the tip goes back to the cardholder if the bank sides with them. DonoLink adds no fee of its own.
No method removes the risk. Bank checks, direct charges on your own account and Pay by Bank for larger tips make it easier to follow and control.