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Stripe has decided to nuke my entire business

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Re: Stripe has decided to nuke my entire business

#381

Post by renewiltord »

bjacobt wrote: post #379
renewiltord wrote: post #288

Earlier quoted context omitted.

Right, but who's got all that and an easy API and SDK? i.e. if you were willing to trade off higher fees for safety and slowness of ramping up in a compliance sense, but you do want quick dev ramp-up, who do you use?

You can try CenPOS [1] or tempus [2]. Both are easy and fairly quick to implement. [1] https://www.elavon.com/industries/cenpos.html [2] https://www.tempuspayment.com/default.aspx

Thank you. Definitely a bit harder than Stripe. I understand the difference now.

Re: Stripe has decided to nuke my entire business

#382

Post by llanowarelves »

aspectmin wrote: post #196

Sounds like it may be time for some legislation requiring payment processors and other service providers (eg hosting/email) to provide an escalation process - probably human review - in cases such as these. Although I agree that there are a lot of TOS violators out there, there are also legitimate businesses suffering real and tangible harm from these actions. This case in particular sounds interesting. They were rev…

These are essentially utilities in today's world.

And with that you cannot turn off someone's electricity (which they don't "need": see Amish) just because you don't like them. And definitely not while hiding behind an algorithm.

Re: Stripe has decided to nuke my entire business

#383

Post by dflock »

phendrenad2 wrote: post #245

According to previous posts* this company sells something related to cannibis. I'd love to know why certain categories are always flagged or silently banned. Cannibis, sex toys, porn, crypto, etc. Payment processors seem to always give these categories the worst service and whenever a company is nuked like this, it's usually one of these categories. Why is that? It almost feels like there's some secret government org…

> I don't believe that these industries are prone to higher than usual fraud.

This belief might be wrong - or at least not shared by payment processors?

Re: Stripe has decided to nuke my entire business

#385

Post by jabart »

phendrenad2 wrote: post #245

According to previous posts* this company sells something related to cannibis. I'd love to know why certain categories are always flagged or silently banned. Cannibis, sex toys, porn, crypto, etc. Payment processors seem to always give these categories the worst service and whenever a company is nuked like this, it's usually one of these categories. Why is that? It almost feels like there's some secret government org…

Credit card processing requires a sponsor bank, and that sponsor bank sets what categories they want to process for. If you fall out of that, or the account gets reviewed a second time and someone thinks it falls into one of those categories, the account is shut down. OF almost had this happen to them because of their sponsor bank and I've seen it happen for other companies from the underwriting department (not stripe, another processor).

Re: Stripe has decided to nuke my entire business

#386

Post by notch656a »

catapart wrote: post #52
notch656a wrote: post #13

Quoted post unavailable.

No - this would be an example of GETTING fucked by a company, BECAUSE you trusted them. Which is exactly the kind of thing we write laws about; you shouldn't be able to get fucked because you believed what a company told you. You should only be able to get fucked by a company because you agreed to the penalties of how they intended to fuck you, should you break that agreement, and proceeded to intentionally and/or ma…

Sometimes when fucking happens, both parties did the fucking.

Betting the farm on Stripe should never be the modus operando of a 'standard enterprise' and thank god I have never worked with anyone in any position of power over money that shared your beliefs. That is just insanity.

Re: Stripe has decided to nuke my entire business

#388

Post by krisoft »

apeace wrote: post #294
mgkimsal wrote: post #230

Earlier quoted context omitted.

> Next time I build something with Stripe I'm going to test it in production before launching I'm genuinely curious why you wouldn't have done that anyway? I pretty much always do, precisely so I can experience a full end to end user experience.

The funny part is, I thought that if I did a bunch of real transactions and then reversed them all, that our account might get flagged! That's in addition to explaining to our investors that we ended our launch day at -$1,000 due to all the chargeback fees because some dumb developer doesn't know what a testing environment is. And in addition to the fact that Stripe recommends against you testing in that way. I did g…

> charging a real card, and if it works, reversing it

Why would you reverse it? If you can’t afford to consume one unit of whatever you are selling are you really in a good place to be in that business?

I guess there can be rare exceptions where the business sell only a handfull of high ticket items. But then again probably Fincantieri does not let you put your bespoke mega yacht on a card through a web transaction.

Re: Stripe has decided to nuke my entire business

#389

Post by mminer237 »

ceejayoz wrote: post #353
systemvoltage wrote: post #348

Earlier quoted context omitted.

> Firearms, explosives and dangerous materials > Guns, gunpowders, ammunitions, weapons, fireworks and other explosives. Peptides, research chemicals, and other toxic, flammable and radioactive materials Why does the payment processor get to dictate whether I can run a defense ordnance company or run a scientific chemical supplies store? Some of this stuff needs to be challenged in the court or regulated so that paym…

> Why does the fucking payment processor get to dictate whether I can run a defense ordnance company or run a scientific chemical supplies store? Because they have the legal right to do so? They could ban companies run by redheads, if they like. As long as they're not discriminating based on very specific sets of criteria established by law, they get to choose who they do business with. The government requiring priva…

While I agree with your point, I think banning redheads would violate Title II of the Civil Rights Act of 1964.

Re: Stripe has decided to nuke my entire business

#390

Post by mellavora »

brk wrote: post #158
vertis wrote: post #87

The worst part about these type of cases is not being able to get a straight answer. There is a whole subset of big tech that has taken the "you must be a fraudster therefore we can't unfuck the situation" approach to customer support. It's an arms race with fraudsters that eventually sucks in legitimate businesses.

IMO it is not the "you must be a fraudster" logic as much as "we have enough other customers that we can burn you without much worry of repercussions". As much as I hate government intervention in business, it really seems like there needs to be a way to force companies to actually be direct, accessible, and reactive in cases like this. I went through something similar with Venmo randomly locking my account after I r…

I think it is called GDPR in Europe

Depending on amounts, small claims in the US might be viable.

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