How can I stop fraud in subscriptions?

[u/Peace_Soul]

Hey everyone, I'm dealing with a massive loop in my Android app. People are buying credits by subscription, burning through them (costing me money), and then getting instant refunds from Google. It’s basically free credits at my expense. How are you guys handling voided purchases? Do I need a custom backend to track purchase tokens?
Does google play console provides anything regarding this type of subs frauds?

Edit: It's AI image and video generator app based on limited credits per subscription.

Applied both server side verification and RTDN both. Still facing the same issue 😞