## Set it where the customer will recognize it

Use the product name people bought, not your legal entity. Someone who bought "Acme Reports" and
sees "NORTHSTAR HOLDINGS LLC" on their statement does not remember the purchase, and the fastest
path available to them is to call their bank.

Stripe caps the descriptor at 22 characters and rejects several symbols. Test it by making a real
charge on your own card in live mode for the smallest amount you sell, then look at your own
statement. That is the only way to see exactly what the customer sees.

## Why it cannot be fixed retroactively

The descriptor is recorded with the charge at the time of the charge. Updating the account setting
changes the next one. So the cost of getting this wrong scales with how long you wait to notice, and
the people most likely to dispute are your earliest customers, who are also the ones you least want
to lose.

## The disputes you do not see coming

A chargeback costs the disputed amount plus a fee, and it counts against your account's dispute rate
regardless of whether you win. One Shot subscribes to `charge.dispute.created` and
`radar.early_fraud_warning.created` so both land in your app rather than in an email you skim. The
handler is in `app/controllers/webhooks/stripe_controller.rb`.

The early fraud warning is the useful one: it arrives before the dispute, and refunding at that
point usually avoids the chargeback entirely.

## The rest of the pre-charge checklist

```bash
bin/rails runner 'puts Rails.application.config.x.app_name'
```

Three things belong to the same "before any real money" pass: the statement descriptor, a support
email address that a confused customer can actually reach, and the business name on the Stripe
account itself, which appears on receipts. The support address the app publishes is set in
`config/initializers/app_identity.rb`, so that is the one to check. See
[Stripe Setup](/docs/billing-entitlements/stripe-setup) for the full sequence.

## What this does not affect

Nothing in your application code reads the descriptor. It is entirely a Stripe account setting, so
there is no deploy involved and no way to get it wrong in the repo.