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What were you selling, how and to whom? I feel like there's probably more to this.
It is quite likely that certain outrage deflating details were left out. Stripe and Paypal are polar opposites in my experience.
> So how could it be true that the payments are unauthorised? Stolen cards, for instance, which may be more likely to happen in some industries than others. While I understand the need for ambiguity with respect to your business operations, this post is too vague to give any understanding as to why Stripe blocked your account.
The post talks about unauthorised charges. There is no way to validate the card prior to Stripe capturing payment, so they certainly are not upset about people using stolen cards on your own site, as you have no way of mitigating that. The migration to Stripe that I handled a year or so ago had 5 or 6 stolen cards/people iterating card lists looking for working cards per day and never had a complaint from Stripe. Onc…
> So how could it be true that the payments are unauthorised? Stolen cards, for instance, which may be more likely to happen in some industries than others. While I understand the need for ambiguity with respect to your business operations, this post is too vague to give any understanding as to why Stripe blocked your account.
The post talks about unauthorised charges. There is no way to validate the card prior to Stripe capturing payment, so they certainly are not upset about people using stolen cards on your own site, as you have no way of mitigating that. The migration to Stripe that I handled a year or so ago had 5 or 6 stolen cards/people iterating card lists looking for working cards per day and never had a complaint from Stripe. Onc…
- Strongly regulated banks/strong consumer protection in financial services.
- Good merchant customer service.
- Cheap credit card processing.
Can you tell us how long it has been since you sent the email?
There must be some level of fraud prevention in any financial platform. You didn't give many details as to the type of charges you made or evidence past "no one charged back" as to how you made them. This is a public platform and I understand less than full disclosure but your narrative that:
1. You signed up
2. You charged people legitimately
3. You were cut off without notice
4. No one responded to multiple attempts over more than 1 business day
5. You were forced to take this action
Seems unlikely to be the full and absolute time line of events.
If it is, ok, post to HN and troll them. If not, is this really the medium? Doesn't stripe get a say on which transactions will and won't process on their own network?
If your expectation is "everything charges all the time period" then use bitcoin. These are credit cards. There are rules. :-)
Have you tried tweeting at them? https://twitter.com/stripe/ They're way more responsive over twitter than email.