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Stripe keeps terminating my account

28 points by celicaraptor ↗ HN
Hello everybody,

I am building an ecommerce platform allowing shops to sell their items through premade templates.I signed up on Stripe months ago and on 17/4/2020 i tried activating my account only to get an immediate rejection email stating that i was violating their ToS.

I sent my application on 03:38 AM and got rejected at 03:38AM.In their message they state that after a thorough review they decided that i was violating their ToS.After a back and forth with multiple support agents,they keep copy pasting the same message and saying that the decision is irreversible and basically kick rocks.

My business is not even launched how could i even violate their ToS?

11 comments

[ 5.2 ms ] story [ 25.9 ms ] thread
toddinsights
They may check your website for a return or sales policy or being so early in the morning, it may trigger a fraud alert. There are other services. Try setting it up during normal business hours.
celicaraptor
>being so early in the morning, it may trigger a fraud alert.

It is a possibility,however it was 03:38AM in my country.On Stripe HQ it was an evening :)

ddevault
It's always wise to keep your payment integration thin, so it's easily swapped out for another processor. I use Stripe, but I don't let them do anything more than store cards and charge payments - I run subscriptions on a cronjob instead. The risk of crap like this is a liability for your business.

There are other payment processors, give them a shot.

ilrwbwrkhv
Try and use Paddle. They are very good and don't have weird policies like Stripe.
celicaraptor
Hi!, Do they offer some alternative to Stripe Connect?Is that what their SaaS Commerce Platform is?
uk_programmer
I would just use another payment provider. If they don't want your business go somewhere else. It sucks but there isn't much you can do really.
edwinwee
Edwin from Stripe here—I’m sorry for the trouble. Could you forward those emails to me and I can take a second look? edwin@stripe.com
celicaraptor
Hi Edwin, I sent you the emails some minutes ago ;)
simonblack
I have a simple solution for this kind of problem: -

Take your money elsewhere.

If you are having problems already, better you know now, rather than later when your business is really dependent on an entity like this behaving in a proper commercial manner.

Some companies I refuse to deal with because of the way they have behaved towards me in the past: PayPal, NAB, Telstra, Amex.

Those companies have missed out on literally decades of income from me due to their smart-ass ways.

celicaraptor
That might be my plan too.Copy pasted answers despite my length and detailed questions are quite off putting.Also, saying that i am a high risk business while other bigger companies like Shopify is fine,it's also quite immoral.
celicaraptor
UPDATE: I got my account back,i don't know if it was due to @edwinwee since he didn't get back to me yet.