Twilio almost certainly has a different agreement with Stripe than is standard, and Stripe commonly bans Telecom related services: https://news.ycombinator.com/item?id=20012656

The Ubiqiti forums are also littered with ISPs that signed up with Stripe (since Ubiquiti integrates with them) used it for a few months w/o chargebacks or any fraud, but got an email one day saying they were not allowed to use Stripe. Appeals are consistently rejected or go unreplied to.

I emailed Edwin at Stripe 4hrs ago, have not heard back from him.