I looked in to this in general a couple years ago. At least that that time the lending agencies that were NOT banks and actually HAD public statements as to the terms/conditions being offered __ALL__ included that. You might just not see them in Stripe/PayPal worded as such, but the liability is pushed entirely on the seller.
This is where a contractual fulfillment tracking system would be useful, a matter of public record as to whom is paying whom and if the other side(s) in the transaction held up their end of the deal. The sort of thing that witnesses would sign; like your bank, their bank, and regulatory organizations (for some special or large value transactions).
