We actually have an ongoing project to reduce the occurrence of these mistaken rejections by 90% by the end of this year. I think we’ll succeed at it. (They’re already down 50% since earlier this year.)It seems to me that if a company provides such an important service to other companies (i.e. functioning as that company's direct revenue source - payments), then if somewhere it is determined that Stripe no longer intends to provide that service, someone at Stripe should be reaching out proactively, via a telephone or other method, to the leadership at the customer and explaining to them in detail why the decision was made to terminate the relationship and what recourse they have.
I shudder to think of the impact something that an algorithm based decision like would have on my business in this scenario. I would be an absolute disaster, and could have far reaching implications for the viability of someone's business.
Every single decision where Stripe is terminating a relationship should have a clear path to a human being for resolution, and should be reviewed by a human before the decision is even made. Like, setup a conference call with leadership and work through the issue. Most fraudsters wouldn't go through that process anyway, and it provides a proactive approach to working with customers who obviously would be in a complete disaster recovery scenario if this occurred so it would be all hands on deck on the customers side. Nothing is worse than having all hands on deck to address a critical issue and feeling helpless because the other side of the equation is an auto-responder email box.
No business should be writing blog posts for help on something like this.