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Don't Use Stripe

news.ycombinator.com

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Re: Don't Use Stripe

#31

Post by wcrossbow »

roguesupport wrote: post #14
rich_sasha wrote: post #6

Collect it all and go to court. I can't see how they have a chance. Document losses their incompetence caused you and request these too. IANAL ofc...

Yes, it's CLEAR you are not a lawyer. They consented when they signed up. Read the terms. They have NO liability.

I'm not a lawyer of course, but I don't think it's as simple as saying you signed it. You could give up your right to any form of holidays or accept to offer your first born in case of default on a contract but those clauses would be unenforceable when presented to a judge.

Re: Don't Use Stripe

#33

Post by matrix_overload »

Not defending Stripe here, but DO NOT HAVE A SINGLE POINT OF FAILURE! Have 2-3 payment processors hooked to a common abstraction layer, split transactions between them. If one fails, switch to others while you try to sort it out. Unfortunately, "computer says no" has become the harsh reality when dealing with any kind of corporate entities, so you need to be ready. It sucks, but that's the world we live in.

Re: Don't Use Stripe

#34

Post by eecc »

qqtt wrote: post #7

You can find similar stories about literally all online payment processors, including Paypal, Stripe, & all the "legacy" ones too (like First Data). Is it possible this isn't some nefarious conspiracy to steal money, but rather a reality of dealing with payments online given the regulatory environment it operates in? Also this is the biggest season for sales and tech companies in general are dealing with navigating a…

Fine, but can you forward the interest payments to Stripe? No?

Re: Don't Use Stripe

#35

Post by zopa »

roguesupport wrote: post #14
rich_sasha wrote: post #6

Collect it all and go to court. I can't see how they have a chance. Document losses their incompetence caused you and request these too. IANAL ofc...

Yes, it's CLEAR you are not a lawyer. They consented when they signed up. Read the terms. They have NO liability.

Not every contract term is enforceable. And every contract has an implied obligation of good faith and fair dealing.

I’m not saying this is a sure winner: I don’t know the case law well enough to have an opinion. But I don’t think it’s capitalization-level obvious. And really the goal would be to get the attention of a human at Stripe who can just fix it.

Re: Don't Use Stripe

#36

Post by dibt »

WesolyKubeczek wrote: post #20

> anyone who posts about this issue on reddit gets downvoted and teamed up against by established Reddit accounts, that I have to imagine are owned by Stripe. You seem to be underestimating the power of fanboyism. If someone is a fanboy for a company/technology/whatever, they will defend it vehemently without even being paid for it. > mainly talking about coding in PERL. It's a little sus. But this now makes me want…

It really depends on which subreddit you ask. I see plenty of support to people in these situations on r/entrepreneur and r/smallbusiness.

https://old.reddit.com/r/Entrepreneur+smallbusiness/search?q...

Re: Don't Use Stripe

#38

Post by keerthiko »

matrix_overload wrote: post #33

Not defending Stripe here, but DO NOT HAVE A SINGLE POINT OF FAILURE! Have 2-3 payment processors hooked to a common abstraction layer, split transactions between them. If one fails, switch to others while you try to sort it out. Unfortunately, "computer says no" has become the harsh reality when dealing with any kind of corporate entities, so you need to be ready. It sucks, but that's the world we live in.

doesn't your common abstraction layer become your single point of failure in this situation? The only robust economical way to do that is too use a third party multiplatform abstraction service, especially given the complexity of maintaining functional billing across multiple payment processors, you're kinda screwed if you try to implement this in house for a small business (either losing revenue to bugs or losing money to in house implementation time/costs)

Re: Don't Use Stripe

#39

Post by zopa »

dibt wrote: post #29

I don't know what you can do except make noise here. I hope it works out. >...we start getting attention we get payments of $3300 and more. Thinking of others that may encounter this issue, I wonder if it's possible to spread orders between separate payment processors based on order $ value. Processor #1: low average order value Processor #2: high average order value That way each processor handles orders within 1 st…

I don’t see how those price bands would work for a fashion company. Charging more once you’ve been noticed is the whole business plan.

Re: Don't Use Stripe

#40

Post by throwaway81523 »

vxNsr wrote: post #9

Just curious, is there a real alternative that: 1. Has customer service 2. Doesn’t charge high fees I feel like those two things are mutually exclusive, the high fees can be thought of as an insurance policy to ensure good cs. The lower fee options are like those fly by night insurance companies. Everyone wants a fantastic experience without paying for it, turns out cs is very expensive, and even if stripe offered a…

1) I don't think the OP wants CS, they just want to get their damn money instead of having it held with no end in sight. Are there other contexts where someone can punt their obligations for 120 days (plus indefinite extensions) and not take heat about it?

2) On the back of my credit card there is an 800 number that I can call 24/7 and reach a human and get my problems sorted out. That's for my piddly 5 and 10 dollar transactions. For my checking account I can not only reach someone on the phone, I can go to a branch and sit across a desk from a bank officer in person, again with relatively piddly balances on account. OP has 10's of thousands on hold if the story is accurate: that seems to be deserving of at least as much attention.

3) I'm not a seller but on the buying side, it's also a huge hassle that I have to frequently jump through hoops and get some company's permission to spend my own money. The OP's story shows that the chokehold happens to sellers too. For me at least, bypassing that was a much bigger attraction of cryptocurrency than any of the cypherpunk weirdness was. (I never pursued it though). We need some kind of low-dollar payment product where the customer can choose to assume their own risk. I can understand if it doesn't extend to bigger transactions without qualifying the customer more extensively.

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