r/stripe

So the short story is I’m in a subscription based business, also selling digital products.
We have hundreds of customers across different subscriptions requiring different billing methods and payment terms specific to them.

I don’t know how to code and as much as I could use stripes AI, I don’t have the time to then check it’s done what I need it to do, so I’m hoping the good people of this sub can point me in the direction of a third party company that offers this service, to basically go in, and code the API as and when we have customers who need a specific set up of billing terms/ options.

Thanks in advance!

I am trying to set up Stripe to pay to my bank and it keeps saying that my routing number (001030800) for Simplii Financial is invalid. I have contacted Simplii support and they confirm that this is their only routing number.

When I tried to set it up with my WISE USD account, it said that US accounts are not supported for Canada. Does anyone know what to do here?

I kept noticing how many SaaS businesses lose revenue through failed subscription payments without realizing how much ARR quietly leaks over time.

So I started experimenting with a lightweight finance ops workflow:

Stripe > webhook > automation layer > churn/failure alerting > Slack

The interesting part wasn’t the automation itself, it was realizing how operational finance problems increasingly look like systems engineering problems.

I am curious how other SaaS builders are handling:

\- failed payment recovery
\- churn monitoring
\- MRR visibility
\- finance/reporting automation

Hi guys, I am actually trying to add a Stripe connection in my Software but I am not able to do so. I would like your help what should i do.

https://preview.redd.it/blfe6dw8ac2h1.png?width=1334&format=png&auto=webp&s=87f815ccb3f904c24e226d82f5223140f11bee09

So I have a whole army of people registering with my service with Amex (probably stolen, but not flagged by Stripe).

Our MRR rose like 50% but I know in a month all of them will be reported for refund and I'll have to pay back.

How to fight it?

Hi everyone 👋 The Stripe Connect team is now here to answer your burning questions.

Ask us anything about platforms, marketplaces, payouts, and scaling with Connect - we'll be here for the next two hours!

I'm finding it so tough, I'm forced to lie, I'm forced to create addresses and SSN and us mobile numbers that aren't real.. why Stripe, should we be residents of US to create a substantial business that would need your services?

Ran my an online business for two years now and every week it's the same circus. Customers messaging late at night about small charges they don’t recognize, arguing over invoices, or questioning payments they already approved. I end up spending hours replying, explaining, and trying to keep things calm, just for some of them to ignore it and escalate anyway.

Last week I missed a dispute while focusing on other work, and it turned into a chargeback. Now my payment processor is reviewing the account.

Feels like I’m constantly reacting instead of actually running the business, and the real issues just keep stacking up.

How do you even stay on top of billing issues and disputes without everything spiraling?

Have questions about Connect? 👀

Join the Stripe Connect Reddit AMA tomorrow! Come ask us anything about platforms, marketplaces, payouts, and scaling with Connect.

📆 Wednesday, May 20, 2026

🕐 1pm ET - 3pm ET

📍: Right here in r/Stripe

Hey everyone,

We're building a payments platform on top of Stripe Connect. When a customer checks out, we create a Checkout Session with a fixed application_fee_amount - calculated upfront based on our fee formula.

The problem: our platform operates in Belgium where the vast majority of payments go through Bancontact (flat fee, easy to predict). But some customers choose a credit card instead - and Stripe's processing fee for credit cards (especially corporate cards) is significantly higher than for Bancontact.

By the time we receive the payment_intent.succeeded webhook, the application_fee_amount is already locked in and the funds have been distributed. We're essentially absorbing the difference in Stripe processing costs without being able to correct for it.

What we'd love is a webhook that fires after the customer selects their payment method but before the payment is confirmed — something like checkout.session.payment_method_selected — so we could update the application_fee_amount accordingly via the Update a Session API.

Does anything like this exist? Or is there another pattern people use to handle variable processing fees in a Connect platform where the payment method isn't known at session creation time?

Interestingly, Mollie handles this via their Orders API where you can update order details mid-flow. Would love to know if Stripe has an equivalent.

Thanks

The more AI products I look at, the more it seems like traditional SaaS pricing breaks down pretty quickly.

A flat subscription sounds great until one customer costs $2/month and another costs $200/month in API usage.

I've seen teams experimenting with:

- credits

- usage-based billing

- prepaid balances

- top-ups

- hybrid subscription + credits models

The surprising part is that pricing itself often seems easier than the infrastructure around it.

Tracking usage correctly.

Preventing abuse.

Keeping billing state synchronized.

Handling retries and failed payments.

For those building AI products today:

What pricing model are you actually using in production?

And if you changed models, what pushed you to change?

Running the numbers at end of quarter and realized I paid $340 in chargeback fees on disputes I actually won. You still pay the $15 fee even on wins. Been on Stripe two years and somehow never internalized that until now. For merchants with decent volume that fee alone is significant regardless of outcome. Worth factoring into your actual cost per dispute when evaluating whether chargeback recovery software makes sense financially.

[supprimé]

Hey guys, I’m trying to get a realistic opinion on my Stripe situation because I’ve been stressing about whether my account is considered dangerous or still “normal” for this type of business.

I run a small digital business in the gaming niche with low-ticket subscriptions and digital products. Most payments are only around €10–20. Over the last ~13 months I’ve had around 950 successful payments and processed roughly €14k total.

So far I’ve had 10 disputes total, 5 of those because of Fraud, which puts me at around a 0.97% dispute rate. What makes me unsure is that the disputes were spread out over several months and some also came from repeat customers, who probably forgot their subscription, rather than completely unique people every time (2 disputes from one customer and another 4 from another single customer).

One thing that also worries me is that I get a LOT of failed payments and blocked cards, probably because it's subscription based.

In numbers, around 341 out of 1500 payment attempts failed or were blocked. Does that itself create additional risk for my account, or is Stripe mainly focused on actual disputes and fraud losses?

I know Stripe generally wants businesses below 1% disputes, so being this close to the threshold makes me nervous.

Does this sound like the type of account Stripe would just monitor normally, or does this already look dangerous from a risk perspective? And would you guys already start migrating to a new payment provider at this point?

I have an chrome extension where I want to have different subscription fees for different countries for my customers.

Is it possible to set up this way in stripe ?

How did the taxes go ?

What was your experience with this settings ?

Hello, i want to ask if its possible to accept for my subscription payments only credit or debit cards and not pre-paid, can i configure it from stripe's dashboard?

I’m hoping someone here has been through this and can share what actually got their funds released.

Stripe abruptly closed the account for my business, Refinement Software Solutions, and is currently holding $3,638.76 of my money. Here is the timeline of their actions:

• Stripe originally placed a reserve of $2,106.53 on my account with an explicit, promised release date of May 18th.
• On April 30th, they deposited and then abruptly withdrew an additional $1,576.93 directly from my account.
• Last week, instead of honoring the May 18th release, they permanently closed my account and restarted a brand new freeze on all of my funds.
• THE LATEST THREAT: Today, I received a "final response" from their Complaints department stating that my account presents an "unacceptable level of risk." They are now threatening to reverse all pending charges within 5 days WITHOUT my consent, and stated that any remaining balance "will not be made available" to me at all!

I have already submitted a comprehensive PDF of my business documents, invoices, and proof of service delivery to their social media team for a manual review, but I am not waiting around while they forcefully refund my legitimate customers.

At this point, I have already taken the following escalation steps:

1. Mailed a Formal Demand Letter with a Notice of Intent to Arbitrate (AAA) via certified mail to Stripe’s legal department (their complaints team has officially acknowledged receipt and the 30-day legal clock is ticking).
2. Preparing to file a formal complaint with the CFPB.
3. Preparing to file a complaint with the State Attorney General.
4. Preparing to file a complaint with the Division of Banking (since Stripe operates under a money transmitter license).

For those of you who have had funds held or customers forcefully refunded like this, what finally got Stripe to act? Did they settle during the 30-day arbitration notice window, or did the CFPB/Attorney General complaints force them to release the funds?

Any advice is appreciated. This has been incredibly frustrating and it's real capital that my business has legitimately earned.

u/stripe_help
u/stripe