With managed accounts the platform owns ultimate liability. This is because with managed accounts we agree not to contact the account holder directly under normal circumstances, so we are more limited in our ability to ask for more information or quickly shut down potentially fraudulent accounts.
As for things like chargeback rate, it depends more on your type of business than the particular Stripe product you use. For example, if you are running a shopping cart hosting service, we recognize that each of your stores are different, and will consider them somewhat separately. However, as the direct line to your customers, if you're attracting a huge amount of fraud on your platform, we would expect you to take steps to reduce that, and would work with you to figure out what the best steps may be.
We are working to figure out the best balance between giving platforms control and using our expertise to help them with challenges like fraud. If you have any suggestions on how we could improve this balance I'd love to hear them, either here or via email at bkrausz@stripe.com
