r/stripe

Genuinely curious how I can safely launch something similar to Venice AI giving users access to many AI models with proper guard rails and not get my account terminated down the road? No documentation clearly defines issues so I’m going to proceed launching on stripe. But anyone at stripe that can discuss before I take the leap?

Going through my business details section on my account and looking at public info section, will customers be able to see my legal name since my business account is individual, and will they be able to see the address and phone number? Im using Stripe for Ko-fi if that helps

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.

Does anyone have a link to where stripe explains their content policy?

Hi! I've been thinking of doing comissions for a very long time and the only thing stopping me was always payment method. PayPal isn't available in my region so I've been thinking about a Stripe account. To keep it brief, I'd like to ask for advice from anybody using Stripe, since I don't want legal trouble, mainly regarding fees and taxes. My main concern is how fees/taxing works and how high they can get, since I don't believe I will earn much money anyway. I'd also like to know if there's a minimum amount that can be payed and how transactions work. Everything I've read so far is confusing me and I don't know anyone with any experience regarding online payment services. Thank you so much in advance, hope I haven't been too vague.

been staring at my churn number for weeks now and something bugs me.

some of it is people who genuinely don’t want the product anymore. fine, that’s normal, that’s business.

but some of it is just… expired cards. banks blocking transactions. retries failing silently in the background. people who never actually decided to leave, they just stopped getting charged and nobody noticed until the mrr graph moved.

do you guys separate the two in your dashboards or does it all just blend into one churn number? feels like an easy thing to overlook until it’s not.

Hello everyone,

I’m a non-U.S. founder living and working from Albania. I recently formed a Delaware C-Corp through Stripe Atlas.

I have:

• Delaware C-Corp
• EIN / IRS SS-4
• U.S. mailing/legal address
• Registered agent
• No U.S. physical operating office
• No U.S.-based co-founder or owner
• No SSN or ITIN

I need a U.S. business bank account for Stripe payouts.

Here is what I tried so far:

1. Mercury — Albania does not seem to be supported/available for my application.
2. Brex — they require a U.S. operating address. I operate from Albania.
3. Rho — they also ask for a U.S.-based operating address.

I do not want to use a fake lease, virtual mailbox, or incorrect address, because I want to stay compliant.

What are the realistic options at this point for a non-U.S. founder with a Delaware C-Corp?

Has anyone from an unsupported country successfully opened a business bank account for a Stripe Atlas company?
Are there banks/fintechs that accept non-U.S. founders operating from abroad?

Would Wise Business, Relay, Airwallex, Payoneer, or another provider work for Stripe payouts? do they ask about operating address as well?!

Any advice from people who went through this would be really helpful.

Thank you!

spent a few months poking around ai app builders and one thing keeps bugging me. the question is not whether the generated app looks like it has a backend. the question is where the sensitive work actually runs. API keys, database writes, auth checks, paid-state logic: if any of that reaches browser-side code, the demo is not ready .

for anything close to real production the server side list is short but annoying:

• sensitive API calls run behind a server/function boundary, not in the browser - user A cannot read user B data just because they guessed an id - secrets live in a server-side secret store, not pasted into prompts or client config - file upload to object storage, not base64 in json - two-user permission checks, not just "is logged in" i have learned not to assume this is handled just because the UI compiles. I want to see where the secret is stored, where the server-side code runs, and whether database writes are scoped to the right user or tenant.

the ones that treat functions, database, storage, secrets, and integrations as part of the build flow feel more interesting to me. Enter Pro is one im checking for that reason, since the docs talk about those pieces in the same product world. still trying to understand the edges, so I would test the sensitive paths before trusting them.

for solo builders actually shipping, do you bolt on a separate backend after the demo, or do you want the builder to give you a server-side place to inspect from day one?

My team and I are running into a ton of payment failures. We started ramping up our marketing budget this year and now that things are picking up we are seeing a huge number of our payments fail.

50% of our payments failed in the last 2 weeks and 50% of those are insufficient funds. most failures happen at day 14 when our free trial ends. all payments are US-based and we have a travel heavy business so being far from your billing address is acceptable to us.

We pretty desperately need help but Stripe support has been pretty useless. Does anyone have any tips or thoughts on what we can do, specifically for insufficient funds?

here is what we’ve tried:

- smart retries & custom dunning emails
- trial ending reminder at day 7

here is what we are testing now:

- enable radar on setupIntents to validate cards at the trial start

- block prepaid cards

- block cvc failures at risk score > 10 (built in rule)

- block postal code failures at risk score > 40 (built in rule)

- attempt 3DS if elevated/high risk, or block entirely if the card does not support 3DS

things we are thinking about:

- removing the trial (this will probably kill our business so not likely we do this)

- making the trial $1

- shortening the trial and doing a hold instead of a setupIntent

- using third party services

is there something else we can look into or implement? has anyone else encountered this? we’ve done everything we can think of and have signed up for sigma too.

thanks everyone!

Looking for steps to create a recurring billing link on a website for a 9-month only membership. For example, person clicks to subscribe, subscription starts that day, bills $100 every month for 9 months, then recurring payments auto stop after 9 months. Can I do it without using the API?

I have a small online store that sells inexpensive tools. One of the main reasons I want to switch to Stripe is because they support Klarna (the BNPL service).

I talked to a Stripe agent, and he said than an LLC is required in order to add Stripe (and Klarna) to our store.

So the question is: do I really need an LLC to add Stripe?

Seriously? You can't edit a product description or its unit price on a quote? Every quoting tool I've ever used can do this.

I've gone round and round with Stripe support. Am I missing something here?

Basically we have a product that is different every time. Different configuration, different price. So when I send a quote, I need to have the description specify what the specific configuration for the product is for this particular quote, and have it priced accordingly.

Each quote is different. Is this possible in Stripe?

Good morning to all , Stripe it’s hard to work with, there is a small negative balance of 4 euros, I’m not sure why , because they are supposed to take the fees first, the payouts was schedule to be daily , we didn’t do this, and now we can’t top up the negative balance , neither the sellers are getting paid.
Any insight would be appreciate.
The business it’s a brand new marketplace for wine & spirits , auction type and it’s based in Portugal.

It says we can’t top up because the profile was not approved.

Should we be looking for alternatives to Stripe?

Thank you to all in advance.

Hey, all! Working on something and want to sanity check it before I build more.

If you run usage-based billing, how do you currently get live usage totals or upcoming invoice amounts into your own MySQL/SQLServer for gating or dashboards? Cron job polling the Stripe API, custom webhook consumer, or you just call the API live when you need it? Pretty sure there's a pre-built postgres connector, but haven't seen this for other DBs.

I'm looking at building a lightweight, real-time sync tool that keeps this state mirrored locally so you're not hitting Stripe's API on every request. Curious if this is a real pain point or if most people just don't bother.

Not selling anything, genuinely trying to figure out if this is worth building. Happy to share more if useful.

I believe one of my Link / Stripe business account has been hacked. I can no longer access it by email and password, cannot reset the password, and recently I've been receiving Stripe verification codes to my phone. Has anyone found a way to contact Stripe by phone or email, as I can't log in to contact them? Thanks.

I received an early fraud warning for a customer who bought a course from me. She appears to be a real person (signed up for my blog months ago, opens the emails I send).

I emailed her once to ask about it but have not received a response five days alter and so I'm just waiting. I haven't followed up.

The purchase was on 5/25, and the early fraud warning came on 6/26. I wonder if it is either she didn't recognize the charge and requested a chargeback, or wants a refund but instead of contacting me she is just trying to void the charge.

What's the best thing to do in these situations? Just refund now? It sounds as though these early fraud warnings come a few days before a chargeback -- is that true? How does refunding help in that case?

Might be a miracle, but I just won my first Amex dispute.

https://preview.redd.it/hjfp1lmijhah1.png?width=590&format=png&auto=webp&s=1b2cd527fc041c3cdcd398a40c3f14aa70cd5dc7

For context, I run a business that sells digital products, mainly ebooks, and my terms of service include a no-refund policy. However, on rare occasions, some customers still open disputes in order to get a refund.

I’ve lost all of my previous Amex disputes that are similar to this one, and I didn’t do anything particularly special this time. I submitted the usual evidence:

• The no-refund policy from my terms of service
• A screenshot showing that the customer had to check a box agreeing to the policy during checkout

Somehow, this one was accepted. Not sure if there was anything unique about this case. It also took a long time to resolve (about 2.5 months after I submitted the evidence). On the other hand, I’ve had more success countering Visa and Mastercard disputes.

Is it true that Amex always sides with the customer in disputes?