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

justuseapp.com

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

#91

Post by tonyarkles »

h0nd wrote: post #44
jsiepkes wrote: 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.

I rather trust cryptography (and its currencies) than be dependent on VISA or similar.

As a consumer, do you trust cryptocurrencies to get you a refund if the seller fails to deliver the product you've ordered?

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

#92

Post by 0des »

soco wrote: post #84
0des wrote: post #68

As someone with a pre-launch SaaS who just signed up for Stripe, reading this has me shook up a little bit. I'm Stripe-integrated for payments, and poised to go through Stripe Atlas soon, or at least I was.. Now I have no idea what to do. I know that OP's story isn't spotless, but what if it's my thing that gets in this situation too? I wish I could say I'm joking but I don't need this right now, I'm ~90 days out fro…

Like another commenter said, think about your payment processor like another thing which needs redundancy. Have another one prepared - braintree or whatever.

That's my initial assumption. I'm curious if this is common behavior to have two integrations, or if it is prohibited by the TOS.

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

#94

Post by hienyimba »

avvt4avaw wrote: post #67

Buddy, your business is selling "privacy cards" and "virtual cards" which hide the identity of the person making the transaction. It's a massive money laundering red flag, it's not at all surprising that Stripe doesn't want to deal with you.

Privacy cards means the cards protect the user's real cards not their identity.

If you have ever been hacked or cannot cancel a renegade subscription, you would quickly grasp the need for Privacy cards.

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

#95

Post by edwinwee »

Edwin from Stripe here. (OP, I've just sent you an email and we can talk more over there—I'm terribly sorry for the trouble.) I can't get into too many specifics about an individual business publicly, but unauthorized charges have high potential to be disputed in the near future—and while Stripe itself doesn't have a dispute threshold, the card networks require businesses to keep disputes low.

Although that email in the post was admittedly a template, a human did review the transaction activity and actively sent the email. We're digging more into exactly what happened here to prevent the confusion from happening again. Over the past few weeks, we've been overhauling how we work with businesses in situations like these and are rolling out some meaningful improvements soon.

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

#96

Post by Chilinot »

jeroenhd wrote: post #86
Chilinot wrote: post #83

Earlier quoted context omitted.

I'm not entirely sure how you would launder money through this service. From what i can tell no money is actually passed through it. It just generates a temporary credit card which is never billed. It is just used to bypass the "please enter your credit card for this free trial" prompts.

I'm talking specifically about this type of card: https://justuseapp.com/privacy-card That looks like it definitely allows transactions.

Ah, yes that is sketchy.

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

#97

Post by quesera »

DanielBMarkham wrote: post #47

There's an interesting efficiency/reverse-opportunity-cost issue here. If you set up your ML so that it works x% of the time, you might very well have a profitable business even if you end up accidentally screwing over a bunch of folks. But no competitor can challenge you in the marketplace because the human cost of answering phones and emails to find that last little bit of efficiency is overwhelmingly disproportion…

Yes.

You can build a system that efficiently serves the 98% case of "simple" customers. Then you can ignore the 2% unprofitable/complicated customers, forcing them to go to other vendors.

If you're big enough, you starve your competitors of the low-cost/simple customers. So their cost structure goes way up, which in turn prices the services out of reach of all other customers except the stupidly profitable, which is to say: gambling and porn.

(This has parallels to the USPS v. FedEx/UPS problem in the US, with the exception that the USPS is required to serve all customers, so no one is completely without service)

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

#98

Post by ddtaylor »

edwinwee wrote: post #95

Edwin from Stripe here. (OP, I've just sent you an email and we can talk more over there—I'm terribly sorry for the trouble.) I can't get into too many specifics about an individual business publicly, but unauthorized charges have high potential to be disputed in the near future—and while Stripe itself doesn't have a dispute threshold, the card networks require businesses to keep disputes low. Although that email in…

So, if I want to disrupt a competitor all I have to do is hire a bunch of darknet identify thieves and you'll shut down their merchant account?

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

#99

Post by sofixa »

jeroenhd wrote: post #86
Chilinot wrote: post #83

Earlier quoted context omitted.

I'm not entirely sure how you would launder money through this service. From what i can tell no money is actually passed through it. It just generates a temporary credit card which is never billed. It is just used to bypass the "please enter your credit card for this free trial" prompts.

I'm talking specifically about this type of card: https://justuseapp.com/privacy-card That looks like it definitely allows transactions.

I don't see them claiming they don't keep track of the transactions, so what's the problem? It's just a temporary card so the merchant doesn't know your original one, but in case of problems the intermediary still knows who you are, what your original card is, and who you paid to.

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

#100

Post by snowwrestler »

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

I agree with this sentiment in general, but in this case it sounds like a human at Stripe did review the case, and Stripe still decided not to do business with them.

Hiring more customer service humans is not a guarantee that every customer will get what they want.

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