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Stripe banned us for payment disputes but we never had a single dispute

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Re: Stripe banned us for payment disputes but we never had a single dispute

#21

well their website banned me from viewing it because I use a VPN, so I can't comment on the justice/injustice of their position. My irony sensor went off though.

This was due to us trying to please Stripe as users on VPN (anonymous IPs) were more likely to be fraudulent according to them

Re: Stripe banned us for payment disputes but we never had a single dispute

#23
I went through the same thing. Some ML algorithm at Stripe randomly classified my business (bog standard WooCommerce/WordPress e-Commerce store selling a single product in low volumes) as a risk and I found that the process for escalating it was Kafkaesque and slow.

Switched to Pin Payments[1] shortly after that experience and have never looked back. Of course, we live in the 2021 century and algorithms will flag issues automatically (I ported my phone number and changed my bank account on the same day, which was fun!), but they've always made sure to contact me and resolve the issue within minutes instead of cutting access. The few times I've contacted them, a competent person has both understood the issue and responded to it appropriately and promptly.

[1]https://pinpayments.com/

Re: Stripe banned us for payment disputes but we never had a single dispute

#24
post #7

I guess stripe wasn't kidding when they said they would disrupt online payments. On a more serious note; How much further is society going to allow this kind of thing? Hiding behind templated e-mails without any explanation. Disrupting people's lives who become collateral damage with no way out.

> On a more serious note; How much further is society going to allow this kind of thing?

https://en.wikipedia.org/wiki/Ombudsman

> The typical duties of an ombudsman are to investigate complaints and attempt to resolve them, usually through recommendations (binding or not) or mediation. Ombudsmen sometimes also aim to identify systemic issues leading to poor service or breaches of people's rights. At the national level, most ombudsmen have a wide mandate to deal with the entire public sector, and sometimes also elements of the private sector (for example, contracted service providers). In some cases, there is a more restricted mandate, for example with particular sectors of society.

Re: Stripe banned us for payment disputes but we never had a single dispute

#25
post #7

I guess stripe wasn't kidding when they said they would disrupt online payments. On a more serious note; How much further is society going to allow this kind of thing? Hiding behind templated e-mails without any explanation. Disrupting people's lives who become collateral damage with no way out.

For as long as it permits companies to hire fallible humans and to write machine learning models with false positive rates.

The machine learning models with false positives aren't the problem. The lack of a timely appeals process that involves a human is.

Re: Stripe banned us for payment disputes but we never had a single dispute

#26
post #7

I guess stripe wasn't kidding when they said they would disrupt online payments. On a more serious note; How much further is society going to allow this kind of thing? Hiding behind templated e-mails without any explanation. Disrupting people's lives who become collateral damage with no way out.

Why would "society" care whether company A makes money instead of company B? This kind of thing is only remotely concerning to, like, VCs and tech workers hoping to strike it rich in the startup game.

Re: Stripe banned us for payment disputes but we never had a single dispute

#28

well their website banned me from viewing it because I use a VPN, so I can't comment on the justice/injustice of their position. My irony sensor went off though.

This was due to us trying to please Stripe as users on VPN (anonymous IPs) were more likely to be fraudulent according to them

Users on VPNs certainly are more likely to be fraudulent

Re: Stripe banned us for payment disputes but we never had a single dispute

#29
Funny how this has beeing a tendency last years. Big american corps just banning small users/companies without any reason and not giving them support whatsoever.

As a developer this puts a big dent on Stripe's reliability and I'm not advising it to any client. Ever.

Re: Stripe banned us for payment disputes but we never had a single dispute

#30
Silicon Valley wanting to "disrupt" industries seems to have a bad habit of becoming the thing they tried to disrupt. Guess you can put some money in an iceblock in front of their HQ and see what happens.

Reminds me of when people loved online video like YouTube because of the lack of commercials.

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