I’m hoping Patrick can help with my case
I’ve been using Stripe for about 3 years with a clean processing history and no chargebacks or disputes.
Recently, my account was permanently closed because Stripe determined that a payment was not authorized by the cardholder.
The issue is that the transaction was authorized.
The payment was made by my wife, who is an authorized user on the card. She personally completed the transaction herself using tap-to-pay with her full knowledge and consent. I have documentation supporting this, including a signed statement from her confirming she authorized the payment, along with additional verification documents.
I submitted an appeal with all of the supporting evidence, but it was denied. I’ve also reached out requesting a manual review because I genuinely believe this decision was based on a misunderstanding rather than the facts.
In addition to the account closure, my remaining funds are currently being held for several months, which has made it difficult to continue operating my business.
I’m not posting this to criticize Stripe or argue with anyone. I understand Stripe has to protect customers and prevent fraud, and I appreciate that responsibility. I’m simply hoping someone from Stripe or someone familiar with their review process can point me in the right direction or help ensure my case receives another manual review.
If anyone has experienced something similar or has constructive advice, I’d really appreciate hearing from you.
Thank you.