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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

#351

Post by upupandup »

iuiz wrote: post #95

Quoted post unavailable.

This account is weird. Joined months ago, rarely posts and suddenly decides to become a forensic analyst to dig through someone criticizing Stripe?

I am seeing this weird behavior more and more on HN. Inactive accounts suddenly seem to come out of the woodwork to defend, attack critics when a YC company gets involved.

Even asking innocent questions like: is there an alternative to what this YC company is offering is grounds for flagging and downvotes.

I think the readers can make the call as to what is happening. I don't buy that these are just lurkers suddenly logging in after months of inactivity to focus on one thread, and I've counted roughly about 3 to 4 HN accounts that are doing it on this thread alone.

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

#352

Post by ryandrake »

shepardrtc wrote: post #282
civilized wrote: post #193

Earlier quoted context omitted.

Corporate process improvement is not an excuse for treating people badly. An individual human who treats people badly is not allowed to say "well I deal with a lot of people and I need algorithms and sometimes my algorithms don't work so I'm doing my best to improve them". Corporations should not get a pass because they need cheap processes that "scale" to maintain their profit margins. This is the perpetual moral ha…

I think this negativity is uncalled for. They said that they do their best, sometimes there are mistakes on their end that they try to fix, and sometimes the person complaining is lying or leaving out details that would explain the situation. If you've ever dealt with people, you would know that they often "forget" things or downplay things that would make them look bad.

I read OP’s reply as a generic criticism about companies that scale beyond their ability to provide sufficient customer support, not a specific criticism of patio11. Silicon Valley is full of companies that scale beyond their competence and ability to operate properly: it’s practically a requirement of the “growth at all costs” mentality. I would argue that if you cannot handle dealing with customers without AI and automation with many false positives, then you have no business scaling further until you can. I don’t know if this is the particular case for Stripe since I’m not a customer, but we can all see this behavior across the industry.

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

#353

Post by flak48 »

Crosseye_Jack wrote: post #348
cdmoyer wrote: post #271

The OP later clarified that it wasn't a normal transaction. They sold a "cheap company van" using their stripe business account. That seems like a huge liability, since a used car seems extremely likely to cause a chargeback. I don't think dealerships would accept a credit card payment (other than deposit) for this reason. https://www.reddit.com/r/smallbusiness/comments/wa1zob/dont_...

Most 2nd hand car sales in the US are sold "As-is", so the buyer has very little recurse after the fact. The consensus is when it comes to 2nd hand vehicle sales is buyer beware and you should be taking the vehicle to be checked over by another garage before finalising the purchase. Last car I purchased (granted a) it was brand new b) I'm in the UK) I purchased the car using my debit card (I kept the recept for ages…

I'd guess that a manual review for the automatically detected out-of-policy transaction wouldn't be prioritized if it's been flagged as a transaction outside the seller's line of business that they mentioned in their agreement with Stripe when onboarding.

I kind of agree - I don't see why manually reviewing a transaction that probably violates their agreement with Stripe should be prioritized by Stripe - even if the transaction would eventually emerge as legit (not fraudulent and not chargeback-able). Because such a manual review would entail a cost to Stripe that is being forced upon Stripe by the seller's actions.

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

#354

Post by Crosseye_Jack »

flak48 wrote: post #353
Crosseye_Jack wrote: post #348

Earlier quoted context omitted.

Most 2nd hand car sales in the US are sold "As-is", so the buyer has very little recurse after the fact. The consensus is when it comes to 2nd hand vehicle sales is buyer beware and you should be taking the vehicle to be checked over by another garage before finalising the purchase. Last car I purchased (granted a) it was brand new b) I'm in the UK) I purchased the car using my debit card (I kept the recept for ages…

I'd guess that a manual review for the automatically detected out-of-policy transaction wouldn't be prioritized if it's been flagged as a transaction outside the seller's line of business that they mentioned in their agreement with Stripe when onboarding. I kind of agree - I don't see why manually reviewing a transaction that probably violates their agreement with Stripe should be prioritized by Stripe - even if the…

I'm not questioning the idea that the transaction was outside the sellers normal line of business (and tbf to Stripe, would imo be a valid reason to be extra careful with the transaction and may be justifcation for account termination, even if account termination seems a bit harsh for a first time "offensive" imo, but hey, thats ToS for you), just the idea that "used car seems extremely likely to cause a chargeback" thats all.

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

#355

Post by wernercd »

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…

> not at least without a detailed blog post / postmortem.

Can they legally give that considering its, most likely, private customer information? If they give detailed information out in a "Detailed" post mortem... isn't that proof that they are an untrustworthy entity?

Just seems to me this is a damned if you do, damned if you don't attitude against Stripe (or, any company in general that has a complaint but can't do a "detailed" public response because, well, that's private information... .. . )

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

#357

Post by patmcc »

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…

>>>but $3300 is a pretty ordinary amount for any retailer.

Really? There are entire classes of retailers where that would be a truly exceptional event. I don't know if that's true of the OP (post removed), but if their average transaction is $27 or something this would rightly trigger alarm bells. If they are in fact being stonewalled on support that's pretty inexcusable though.

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

#358

Post by flak48 »

Crosseye_Jack wrote: post #354
flak48 wrote: post #353

Earlier quoted context omitted.

I'd guess that a manual review for the automatically detected out-of-policy transaction wouldn't be prioritized if it's been flagged as a transaction outside the seller's line of business that they mentioned in their agreement with Stripe when onboarding. I kind of agree - I don't see why manually reviewing a transaction that probably violates their agreement with Stripe should be prioritized by Stripe - even if the…

I'm not questioning the idea that the transaction was outside the sellers normal line of business (and tbf to Stripe, would imo be a valid reason to be extra careful with the transaction and may be justifcation for account termination, even if account termination seems a bit harsh for a first time "offensive" imo, but hey, thats ToS for you), just the idea that "used car seems extremely likely to cause a chargeback"…

Yep, FWIW I hope OP gets their money if not their account

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

#359

Post by dazbradbury »

patio11 wrote: post #177

(I work for Stripe, and since many of my colleagues are currently sleeping, taking the liberty of saying this on their behalf.) We are looking into things. As someone who ran businesses for a long time myself, it would be very alarming to me if customers felt they were being ignored while repeatedly talking to people who work for us. If that ever happens, please bring in literally anyone at Stripe, inclusive of other…

I only have one recurring bug bear that seems trivial for Stripe to solve:

Is there a reason you can't get ARN/STAN refund codes via the Stripe API?

I have never been able to get an answer to that.

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

#360

Post by slotrans »

sofixa wrote: post #31
polux33 wrote: post #30

Quoted post unavailable.

Nobody is saying there's no use case for cryptocurrencies. However they absolutely suck in the main use case - payments. There are no chargebacks/protections against scams, the UX is atrocious or relies on an unregulated and unprotected third party. It's slow, it costs money to spend money. And it's also destroying the planet with useless electricity consumption when there's an energy crisis and climate change with r…

> Nobody is saying there's no use case for cryptocurrencies.

There is no use case for cryptocurrencies.

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