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TIFU by using Stripe as a payment processor for my small business

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Re: TIFU by using Stripe as a payment processor for my small business

#101

Post by xyzzy_plugh »

nfreising wrote: post #88
xyzzy_plugh wrote: post #67

This isn't surprising to me, and I don't think less of Stripe for doing this. It appears everybody is jumping to conclusions. Saying Stripe is "stealing" is laughable. There is a tremendous amount of fraud abound. Payment service providers like Stripe sit in between businesses and credit card companies, who proxy banks, who proxy customers. Banks are pretty solid, as are credit card companies, so the transitive natur…

I don't think Stripe holding money is the problem here. The problem to me seems that there is no support to be reached at Stripe to dispute their decision or get a human to answer. I agree that OP's business doesn't seem that healthy if $3000 are such a big problem, however that doesn't make Stripe's non-existing support any better.

I've dealt with Stripe support and it's been... fine? Good even? I can only assume that if they've gone radio silent there's a reason. I'm not convinced Stripe is acting in bad faith, as shitty as this is. (Unlike, say, PayPal, who is notorious for shit like this).

At least one instance I'm aware of has to do with anti-money laundering regulations, where it can be disallowed to communicate regarding a pending investigation, but obviously I can't speak to if that's happening here.

Re: TIFU by using Stripe as a payment processor for my small business

#104

Post by ziddoap »

iuiz wrote: post #95

Quoted post unavailable.

What relevance does any of that have when OP has supporting documents for this specific transaction, which is the only transaction Stripe has issue with and the only issue that OP is trying to resolve?

Re: TIFU by using Stripe as a payment processor for my small business

#105

Post by vxxzy »

groffee wrote: post #75
vxxzy wrote: post #50

Earlier quoted context omitted.

Check out PastePay. Great service and a human touch! https://www.pastepay.com

On Firefox page is just going into an infinite loop.

Strange!? Any chance you could send me request headers you are receiving?

Re: TIFU by using Stripe as a payment processor for my small business

#106

Post by DebtDeflation »

vemv wrote: post #11

If it was, say, a $30000 charge I could give Stripe the benefit of doubt, but $3300 is a pretty ordinary amount for any retailer. Could be e.g. a laptop sale, or three phones? When I see Stripe's apology here it will not be enough for me - not at least without a detailed blog post / postmortem. Until/if that moment happens, I'll regard Stripe as an untrustworthy entity and will recommend doing the same to do anyone I…

Flagging a larger than normal transaction is fine. Placing a 120 day hold is very much NOT fine. This should be resolvable within 24-48 hours after the business provides the requisite documentation showing the transaction to be legitimate. The root cause is a completely automated process devoid of any capability for human review like we see with so many online platforms these days.

Re: TIFU by using Stripe as a payment processor for my small business

#108

Post by davidkuennen »

I feel this. Today many people got this message from Apple (apparently wrongly): https://news.ycombinator.com/item?id=32260733 which would've resulted in Apple holding a lot of money from me which is business critical.

For payment processing, something like this without a means to appeal quickly shouldn't be allowed. It endangers companies and the livelihood of many people.

Re: TIFU by using Stripe as a payment processor for my small business

#109

Post by rvz »

thiscatis wrote: post #49

Watch the Stripe apologist come out in force soon. They’ll brand you as 100% running a crypto CP arms dealing coke selling dark net platform owner because surely YC darling Stripe would never mess up like this. Truth is they are just horrible.

Exactly. The Stripe fans and its nobility will try to keep boosting Stripe's sainthood as if they do no wrong or won't kill your business if you had fraudulent chargebacks (also known as friendly fraud) and will make sure they are only the exception. In reality, you are going to get destroyed by Stripe with such large payments, even if they are not fraudulent.

They actually are killing businesses when they do that and locking their accounts down for months. Even if you have a sum like that for a business or it was an error, well good luck with support as you are not getting that money back and your business will end up shutting down.

That is the dark truth that the Stripe boosters and that the hype squad won't tell you.

Re: TIFU by using Stripe as a payment processor for my small business

#110

Post by sph »

selfhoster11 wrote: post #71
xyzzy_plugh wrote: post #52

Earlier quoted context omitted.

As opposed to IRC? Slack? Discord has excellent moderation tools, is economical and relatively user friendly (compared to IRC). If you desire a public space for your community to engage with you in real time, I'm not aware of a better alternative.

Discord is not a public space. It's not indexed by search engines.

No, you're supposed to use the abysmal Discord search feature to find your question among a billion chat messages, or post it in one of the 150 channels we have for each topic under the sun. No sorry, wrong channel. Oops, your message got lost somewhere in the thousands of messages we receive per day.

Discord support is hell on Earth.

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