autoRefundChargebackDispute.php

<?
	
	// this script receives a Stripe dispute / chargeback and:
	//
	// - immediately refunds the payment
	// - closes the user's account (in my DB, add your own code there)
	//
	// this is to automate dispute handling (because you never win a dispute on Stripe anyway)
	// and by refunding avoiding the chargeback fee
	// 
	// tie this to a webhook inside Stripe's dashboard for the event charge.dispute.created
	// 
  
	$_DATA = @file_get_contents('php://input');
	$_DATA = json_decode($_DATA,true);

	if(!empty($_DATA['data']['object']['charge'])) {
		$charge_id=$_DATA['data']['object']['charge'];

		require_once(__DIR__.'/../vendor/autoload.php'); /* this is my Composer that loads Stripe's PHP library, you can add your own code here to load Stripe PHP */
		\Stripe\Stripe::setApiKey(
      			/* add your live key here */
		);

		try {
			$charge = \Stripe\Charge::retrieve($charge_id);

			// <refund charge immediately to avoid chargeback>
				try {
					$charge = \Stripe\Refund::create(array(
						'charge' => $charge_id
					));
				}
				catch(\Stripe\Error\InvalidRequest $e) {
				}
				catch(\Stripe\Error\Card $e) {
				}
			// </refund charge immediately to avoid chargeback>

			// <disable user>
				if(!empty($charge['customer'])) {
					// found customer object
					// now do a db call to find which user it is
					$stripe_customer_id=$charge['customer'];

         				/* add your own DB logic here to load your user db */
					$query=$usersDb->prepare("SELECT * FROM users WHERE stripe_customer_id=:stripe_customer_id");
					$query->bindValue(':stripe_customer_id',$stripe_customer_id);
					$query->execute();
					$userFound=$query->fetchAll(PDO::FETCH_ASSOC);

					if(!empty($userFound)) {
						$user=$userFound[0];
            					// add your own logic here to disable user in your db
            
					}
					exit;
				}
			// </disable user>

		} catch (Exception $e) {
			
		}

	}


?>