r/stripe

We're a Belgian subscription business charging €26.95/month recurring, and because Bancontact isn't supported for charge_automatically subscriptions,

we plan to run a Checkout Session in mode: 'setup' with payment_method_types: ['bancontact'] so it generates a reusable sepa_debit PaymentMethod, then create the subscription server-side with that as default_payment_method — is that the recommended approach for letting Belgian customers authorise a recurring subscription via their own bank app, or is there a supported way to do this within mode: 'subscription'?

Thanks!

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Join our monthly Stripe Connect Reddit AMA! Ask us anything about platforms, marketplaces, payouts, and scaling with Connect and we'll answer right here in this thread, tomorrow.

📆 Wednesday, Aug 19, 2026

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📍: Right here in r/stripe

Hi everyone! 😄

I’m hoping someone here has experienced a similar issue with a Stripe payout to Wise.
A Stripe payout of 201,877 HUF, dated August 5, was marked as Paid/Completed in our Stripe Dashboard.

The payout was sent to WISE EUROPE SA.
However, the money has still not arrived in our Wise account. Stripe shows a Payout Trace ID for the transaction, but Wise support is asking us for a proof of payment containing:
* sender’s full name
* sender’s bank details
* recipient/Wise bank details
* payment date
* amount
* currency
* payment reference
The problem is that Stripe has not provided us with such a document, even though we have already requested it from Stripe Support. We have been waiting for it, but nothing has been sent. Wise is currently unable to locate the payment without the requested information.

Has anyone here had a missing Stripe → Wise payout and successfully resolved it?
What exactly did you ask Stripe for, and what document/information did Stripe provide that Wise accepted?

Also, can Wise actually trace the payment using the Stripe Payout Trace ID, or do they require the full proof-of-payment document? Any advice would be greatly appreciated. Thank you!

Feels very unrelated buy, but open router pricing gonna skyrocket now 😢!

One lost $750 chargeback led to my payment processor closing my six week old lodging business's account, holding my guests' money past its own written deadline, and then telling me it couldn't release funds it had already refunded. Full timeline, and what I would do differently.

TL;DR: Six week old lodging business. One $750 deposit chargeback lost on an AVS mismatch. Four days later an automated risk intervention was added on top of the normal fraud screening. The normal screening had already caught the real fraud on its own. The intervention blocked only verified guests, one of them about fifteen times, and nothing else. Stripe refused in writing to override it, then closed the account citing high risk activity from those blocks. Pulled a service member's already paid out booking back from my bank, missed its own written refund deadline by six days, refunded the day after a BBB complaint, then sent a formal response saying it could not release funds it had already released. Same day it closed my direct application, it approved the same business through Booking.com, and that account is still open. Never a human in the loop. Not on MATCH, which is the one thing that went right. Lessons at the bottom. Short version: turn on AVS decline, never charge deposits, keep two acquirers, and do not build a small business on a rail that can be revoked by a model and appealed to a queue.

I am a Navy veteran and I own a small guest house in Tampa, Florida. Five rooms. I launched in mid June and take bookings through Airbnb, Booking.com, Expedia, Vrbo, and directly. I used Stripe for the direct and Vrbo side.

July 17. A guest who had stayed for five nights filed a chargeback on her $750 security deposit. I contested it with full documentation including the signed rental agreement. I lost on a single point: an AVS address mismatch on the original charge. Everything else in the file was beside the point. That was my process failure and I will come back to it, because it is lesson one.

Let me give credit first, because it matters to what comes next. Stripe's standard fraud screening, the thing every account has, worked. On July 15 it stopped a $1,600 booking attempt from the group connected to the disputed stay. On the evening of July 21 it stopped three attempts to book a $1,400 stay under a name that matched a felony record. Real fraud, correctly blocked, by the normal system, on its own. That is what it is for and it did its job.

July 21. Later that same day, my account was placed under an additional automated risk intervention, layered on top of the screening that was already working. Here is the thing I want other owners to understand about that layer: from the moment it was applied, it did not block a single fraudulent transaction. Every block it produced was a verified guest.

July 22 and 23. It blocked a verified Airbnb guest, already in my house, trying to pay a $300 security deposit. He tried about fifteen times across three cards. Every attempt was blocked. The next day it blocked another Airbnb guest, in town for the bar exam, trying to pay the same deposit. These were not risky transactions. They were guests with confirmed reservations paying for rooms they were standing in. The fraud had already been caught. The intervention had nothing left to catch except my customers.

July 24. I asked for the intervention to be reviewed. Stripe confirmed in writing that it would not be overridden.

July 28. The account was closed, citing "elevated high risk payment activity." Stripe also pulled $1,376.96 back out of my bank account: the proceeds of an active duty Coast Guard officer's booking that had already been paid out to me. Here is the part I want other owners to sit with: the high risk activity included the declines the intervention had itself generated on my verified guests. The system blocked good customers, then cited those blocks as evidence. There was no person anywhere in that loop, and I could not get one inserted.

The closure notice said refunds on affected payments would be issued five days after processing stopped. That made the deadline August 2.

August 1. Two things happened the same day that I still cannot reconcile. Booking.com's payments onboarding opened a brand new Stripe account for this same business, with identical information, and it passed. I then opened an account directly on stripe.com with the same information, and it was closed within hours as high risk. Same business, same documents, same day, two opposite answers. As I write this on August 17, the Booking.com one is still open and green.

August 2. The refund deadline passed. Nothing was refunded.

August 7. The Coast Guard officer, whose $1,418.70 stay had been force refunded by the closure and who had rebooked through Airbnb, contacted me asking where his money was. Ten days after Stripe had taken it back out of my account to refund him, he still did not have it. I had no ability to refund him and no date to give him. Stripe's own support chat that day told me his two charges and a third guest's $300 deposit, $1,697.96 in total, "should have been automatically refunded" under the closure process. It could not tell me why they had not been. I filed a BBB complaint that afternoon.

August 8. All three refunds were issued. The day after the complaint. Eleven days after the closure. Six days past the deadline in their own notice.

August 12. I tried to register on a venue rental platform for a different part of the business and was blocked. That platform runs on Stripe underneath. I had not known that. It was resolved a couple of days later, but for two days an unrelated line of business was closed to me by a decision I could not appeal.

August 14. Stripe's formal response arrived. It restated the reason as payments that "did not appear to have been authorized by the customer." It said Stripe was "unable to release these funds as of now." The funds had been refunded six days earlier. It also said, and this is the one sentence in the whole saga that mattered most: I was not added to MATCH, the card network list that makes a business effectively unbankable for five years. If you ever end up here, ask that question first and get the answer in writing before you do anything else.

August 17. I was told the position is firm and they will not engage further. So I have stopped asking. I am writing it down instead.

What I would tell another small business owner, in the order it would have saved me money:

1. Turn on decline for AVS mismatch. Today. I lost a dispute I should have won, with a signed agreement in the file, on that single field. I learned the rule existed after I lost. It costs you a handful of legitimate transactions a year and it is the whole ballgame on disputes.

2. Never take a security deposit as a charge. Take a hold, or sell a damage waiver. A charged deposit is the transaction most likely to be disputed, and if you lose, it starts the sequence below.

3. Understand the loop. One lost dispute can trigger automated risk treatment on top of the fraud screening you already have. In my case the screening had already caught the fraud; the treatment caught only good customers. Its declines on those customers were then cited as the risk that closed me. There does not have to be a human anywhere in the chain, and asking for one goes to the same queue.

4. Have two payment rails at two different acquirers before you need them. I had one. When it went, my direct channel and Vrbo went with it, and so did a platform I did not know was built on it. If you are on a payment facilitator, understand that your account can be revoked instantly and that a "final response" can arrive that says funds are held when they have already been refunded.

5. The balance is not yours until it is in your bank. Sweep daily if you can. Do not let a float build.

6. Everything in writing. Save it offline as you go. Chat transcripts, emails, the closure notice with its refund promise. That refund promise and a support chat admission are what moved $1,697.96 in one day after nothing else had.

7. Public and regulatory channels work when support does not. Not an accusation, just what happened: the refunds landed the day after a BBB complaint. Nothing before that moved anything.

I am not asking anyone for anything here. My guests were made whole, which was the part that actually mattered, and my business runs today on channels that pay me directly.

But I will say the conclusion plainly, because it is the reason I wrote this. We will not use Stripe again, for this business or any other we operate, under any circumstances, regardless of what any future review says. Not because of one bad outcome. Because of the shape of it. A processor that lets a model take an action, declines to let a person review it, cites the model's own output as the reason, misses its own written deadline, and then issues a final response saying it cannot release funds it released six days earlier is not a partner that supports its merchants.

For a small business, that is not a risk you manage. It is one you remove.

If you are small and you are on Stripe, I am not telling you to leave. I am telling you to open the second account today, sweep your balance daily, turn on the AVS rule, and read your closure terms now, while you can still do something about them. Do it before you need it. I did it after.

I need to open a Stripe account without a passport. If anyone knows a way to do this, please help. I’ve been trying for a year now and haven’t been able to.

https://preview.redd.it/jx622o50vojh1.png?width=988&format=png&auto=webp&s=af58feec8006adac7a7054882e5a5680561ad26a

They charge crazy amounts for everything they can.
I am the idiot because I sent it without tracking, as the user selected...
Now I lost the product and had to pay stripe that much for nothing really.

Hey everyone,

I run a US-based platform exclusively for digital products and software services. We process payments globally for our builders through our own hosted checkout pages.

We are currently planning to onboard merchants and creators from developing markets—specifically Egypt, Turkey, Pakistan, and Bangladesh. Our goal is to use Stripe Connect (specifically the Express dashboard) to handle merchant onboarding and automate their payouts (Transfers & Payouts).

Based on Stripe's documentation, I understand that for some of these countries (like Egypt), accounts only support "recipient service agreements." This means they can't process charges directly, but they can be onboarded under my US platform to receive their digital sales earnings directly to their local bank accounts.

Before fully committing to this infrastructure, I wanted to ask if anyone here has practical, real-world experience with this exact setup for these specific regions:

• First and foremost, do payouts actually go through successfully to local bank accounts in ALL of these specific countries via Connect, or are some practically unsupported?
• Are there any hidden compliance hurdles or high rejection rates when onboarding digital product merchants from these countries?
• Have you experienced unexpected account pauses or payout freezes for merchants in these regions once they hit certain volume thresholds?
• Is this a reliable long-term payout solution for global builders, or are there better alternatives for developing markets?

Any insights, warnings, or shared experiences would be highly appreciated. Thanks in advance!

I’m trying to complete Stripe Express verification for a payout from Shipd by Datacurve, but I’m stuck at the identity verification step.

I initially uploaded my Aadhaar card, but Stripe rejected it with the message:

“We don't accept that document type – try a passport, driver's license, or ID card.”

I’m an Indian citizen and currently don’t have a passport or driver’s license. I do have a PAN card with my photo, as well as a government institute ID card with my photo.

I contacted Shipd/Datacurve about this, but their support information says Stripe handles the verification, while Stripe directs account-related questions back to Shipd/Datacurve.

Has anyone from India faced this issue with Stripe Express? Can a PAN card or a government institute ID card with a photo be accepted for verification, or is there another accepted Indian document I should use?

I’d appreciate any advice on how to get this resolved.

Hello,

I am getting hundreds of failed carding attempts (fraudulent attempts with probably stolen credits cards being tested) through my Stripe account. I have a website with required checkout fields (billing address, email). However, these failed carding attempts have no customer data and do not show up as failed orders in my WooCommerce Order history page.

This all points to the carding attempts somehow bypassing my WooCommerce Checkout page altogether. I have been in contact with Stripe and WooCommerce and am very confused about how to tell exactly where the pain point is so I can stop these attacks altogether.

I upgraded to Radar Plus but did not fully realize that the charge of $.07 is per SCREENED transaction, meaning I am now paying per failed carding attempt, which can be dozens and dozens per day. I am a very small business and cannot afford this.

Can anyone shed light on how to pinpoint exactly how these failed carding attempts are bypassing my website and how to stop it once and for all altogether?

I am going to sell saas subscription in the europe, and it is like easiest way to handle all the taxes and legal requirements via merchant of record.

I know there are exists Paddle and Lemon Squeezy.

My question: what should I choose? may be there some other better MoRs exists.

Please share your experience.

I make two sales. (Products have already been delivered. They then ask for my ID a day before the payout is supposed to hit. I submit it 7 times and all 7 times they tell me they cannot verify me. I then finally get it to go through. And then they email me saying an unauthorized user made a purchase on a bank card. And banned my account. I am very close with my two customers and neither have done this. Shady business I’ll tell ya that. You’re welcome for the $500 interest free 180 day loan I guess.

I'm trying to decide whether to use Stripe Managed Payments for tax handling and compliance, or to remain as a Merchant of Record and manage the filings ourselves. We're a US-based C-corp with a B2C subscription based software product, and we'll have customers across North America and Europe, including the UK. We already integrated Stripe payments.

I've been reading through various opinions on this, and I was wondering: is the 3.5% extra for Managed Payments worth it for a B2C product under $200/year, and how much of a headache is worldwide tax filing?

When we first started getting subscriptions I honestly didn't pay much attention to failed payments. A few payments would fail here and there but it didn't seem like a big deal.

That changed as we got more customers.

Some cards expired, some payments were declined for no obvious reason and there were customers who simply didn't update their payment details. Individually none of these seemed me like a big problem but together they started becoming something we had to keep an eye on.

The part I found annoying was figuring out what actually happened after a payment failed. Did the retry work? Did the customer come back and update their card? Did we lose the subscription completely?

How other SaaS founders handle this.

Do you have a proper recovery flow for failed payments or do you mostly let your payment provider handle the retries and deal with the rest manually? or what payment or billing tool are you using for this?

1. Stripe approved 5 fraudulent accounts (from Indonesia)
2. These fraud accounts created fake vendor and customer accounts on our platform, and proceeded to use fraudulent credit cards, which Stripe approved
   1. After learning about the fraudulent activities, we blocked their IP addresses and deleted their accounts and transactions
3. BUT Stripe closed / permanently banned our account for fraud activities

Then I learned "Stripe relies on automated, risk-based models that often approve accounts instantly and evaluate risk retroactively. If connected accounts or transactional patterns trigger fraud or compliance thresholds later, Stripe frequently shuts down the main account rather than absorbing the liability"

So Stripe provided ZERO fraud protection and detection for us. They approve fraud accounts and then blamed us for the fraud.

We're now looking at paypal and other alternatives ..... sigh

I need to collect payments for my SaaS but I'm 14, and when I search to see if I can use Stripe, I've gotten mixed results. Is their an age limit/custodial account?

Long story short,

I opened a new Stripe account about 3 month ago for my travel business. While the Stripe account is new, my business and client relationships are not.

I work with established B2B clients and long-term customers, some of whom I have worked with for years and have met personally. These aren't random one-time customers appearing out of nowhere.

I started using Stripe because I liked the platform, the overall experience and the rates, and I wanted to continue using it as a payment processor for my growing business.

Last week, I processed a $15,000 transaction from an established client. This client had previously done $10K–$12K transactions with me, so this wasn't a completely new customer suddenly making a large payment.

Stripe triggered a review.

I cooperated fully and provided the information they requested, including:

• Proof of my business
• Explanation of the transaction
• Customer information
• WhatsApp conversations with the client showing our relationship and the context of the transaction
• Additional documentation requested during the review

My account has had zero chargebacks. I have not had a fraud-related issue with any transaction, even with past merchants.

I also have existing business contracts and commitments that mean my expected processing volume going forward is going to be well over $2 million per year.

Despite providing all of this information, Stripe rejected my appeal and closed the account.

Their message says:

>

They have also paused approximately 35 GRANDS of my funds for 120 days, stating that the funds will be used to cover potential disputes or refunds and that the remaining balance will be transferred to my bank account on December 10. To add to the misery, they are trying to pull back previously settled funds.

This is incredibly frustrating as I have dues to clear and failing to do so will negatively impact by long standing vendor relationship. I might lose a lot of business.

Funny enough, stripe also lost around 2 million a year in processing volume.

I actually liked Stripe. I liked the platform, the overall experience and the rates, and I wanted to continue using Stripe long-term. But having approximately $45K held for four months after I cooperated with their review and provided documentation is extremely difficult to accept.

It feels like the system sees a relatively new Stripe account and larger-than-average transactions and immediately categorizes the business as high risk, without understanding the underlying customer relationships or the nature of the transactions.

I have already completed Stripe's review/appeal process and provided all the requested documentation. I have also started looking into formal complaint channels, including the BBB and CFPB, because I want this matter properly documented and reviewed rather than simply being told to wait 120 days with no meaningful opportunity to speak with someone who can actually examine the circumstances.

PROMOTING THIS POST COZ Stripe mods deleted it multiple times.