When your business receives a card dispute (also called a chargeback), the cardholder's card issuer pulls the amount for the dispute from Stripe, as well as that network's dispute fees. We pass these on to you, the merchant, and debit your Stripe balance for the dispute amount plus network dispute fee. This will appear in your balance history as a single balance transaction for the dispute amount and fee.
If you issue a full refund on a charge before a dispute happens, it is no longer possible for the cardholder to dispute it. So you are protected from any future dispute or dispute fee.
Once a cardholder initiates a dispute, it is no longer possible to avoid the fee.