Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

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

justuseapp.com

Post reply on HN
Print view View original

51–60 of 302 posts

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

#51

Post by InsomniacL »

sudhirj wrote: post #20

If I understand correctly you use Stripe Issuing to give people cards that they can then spend with in a way that you control? How do people recharge their Justuseapp cards? You charge their real card and credit their virtual ones? And if one of the apps being used makes a unauthorised charge do you then raise a dispute on behalf of the customer? I'm not trying to apologise for Stripe, I'm trying to see what's specia…

"You can then use the virtual credit card to signup for free trials on the web and on apps without worry. We approve only free trials and not actual purchases."

I assume when you sign up to a free trail, they'll charge your card £0.00 to confirm it's a valid card, then when the trail ends and they try to automatically charge you for a full subscription they'll block the transaction.

https://justuseapp.com/free-trial-card

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

#52

Post by Y_Y »

logicchains wrote: post #32
meylis wrote: post #13

Earlier quoted context omitted.

It makes sense. They (stripe) want to get the biggest part of a cake and destroy small businesses. Such morones.

>Such morones. Does that mean morons? From their perspective, it's a smart thing to do, if they can get away with it. Or does it mean like "such big balls?".

At least in Spanish "morones" are little hills.

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

#53

Post by dubcanada »

To be completely honest it could be that having

Top Free Best Selling Streaming Softwares Tv Softwares VPN Softwares IPTV Softwares Movies Softwares Job Softwares Editing Softwares Crypto Softwares Kodi Tv Softwares Video Editors

As categories could trigger some red flags, half of those are extremely risky categories. It's also not really obvious what you offer and some low paid scanner person reviewing your site for information probably had no idea what you do but saw VPN, Crypto, streaming, etc and said no.

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

#54

Post by burlesona »

It’s disappointing that they didn’t give you a clear explanation, but it seems like the second email is saying their humans looked at your business model, issue US cards to consumers all around the world so they can manage subscription spend - and, implicitly, so they can dispute charges or cut off cards as a way to stop paying a shady subscription service - is high risk and Stripe doesn’t want to do it.

I can understand that point of view. What I don’t understand is why they couldn’t write a clear email explaining their position so you would actually know what’s up.

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

#55

Post by JasonFruit »

tiborsaas wrote: post #45
travoc wrote: post #27

These types of problems could be fixed by doing the three things big tech hates: 1. Hire human beings 2. Empower them to fix problems 3. Let your users talk to them

Hiring humans is not as scalable as technology is. You can't just hire 150 more customer support agents _each month_ like you can fire up another Kubernetes cluster. They need training, middle managers, leads, special training, good tooling, office space, adjusted KPI-s, etc. Ideally, good companies will find a balance with AI and human operators that's also sustainable as a business.

You're saying, however, "We can scale our tech but not our business." If you could scale everything but payroll, that wouldn't make it okay to use an automated payroll system that left some employees unpaid with no recourse. Leaving your customers unjustly banned with no recourse is no more justifiable.

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

#56

Post by hienyimba »

tyingq wrote: post #37

I have a hunch their main concern is this kind of marketing on your site: "Access the American market Our credit card comes with a U.S. billing address, so you can unlock features restricted to the U.S or Western markets especially if you don't live there." https://justuseapp.com/free-trial-card

The free trial cards were not offered with Stripe. They were offered with Flutterwave. It was launched in March. We started with Stripe in June.

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

#57

Post by sschueller »

r_singh wrote: post #34
protomyth wrote: post #8

How are we a "high risk" merchant when our business is not different from Truebill.com (subscription tracking) and Ramp Inc (spend management) a company Stripe recently invested in? The cynical me says there is your answer right there. You are a bit to close to something Stripe invested in, or at least close enough to something they will offer as a service soon.

That's a ridiculous reason for blocking their account though. Is everyone learning from the best (cough Amazon)?

It would also be illegal but going to court costs a lot of money.

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

#58

Post by burlesona »

AussieWog93 wrote: post #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 iss…

This product was leaning heavily on Stripe’s issuing API, so I don’t think pin payments is a viable alternative. I’m actually not sure if anybody else is a viable alternative. Is there another service that offers card issuing as an API?

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

#59

Post by Spare_account »

Zarathu wrote: post #17

I really feel for the author. We had once decided to participate in Stripe's Identity Verification beta. After submitting the form to request participation, Stripe's system locked our account pending verification. We were fortunate in that we had a backup payment gateway integration "just in case", because otherwise we would have been completely unable to accept any payments at all for a full week. That week was stil…

>We were fortunate in that we had a backup payment gateway integration "just in case"

This seems like the key point here. I'm not a software guy or even a payments guy, I'm a network infrastructure engineer.

For anything that we want more than 99% uptime, we put in two of everything, sometimes more. Two separate service providers, ideally coming down different physical paths where practical.

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

#60

Post by hef19898 »

iav wrote: post #15

My SaaS business serves corporate law firms and investment banks that invest in large corporate bankruptcies (think Hertz). When I launched, I first applied for a merchant license from Stripe, and was quickly denied by an automated system, citing violation of TOS (no reference to what violation). But given there are a ton of alternatives, I just used Braintree instead and it's been a great experience so far.

Sounds like a fun business, and industry!
Post reply on HN