Sure, but after having all that infrastructure and resources built up an expansion should be easier than starting at zero.
Stripe is kind of analogous to a utility company here. They're an upstream provider. They don't care about what "infrastructure and resources" you've built. If you break the terms of service, they will cut you off, just like if you don't pay for your gas/electric you will quickly find yourself with a non-functional home, regardless of how fancy it is.
Is Stripe forced to do this because of their upstream provider ToS, Well's Fargo?
Yes. Have had the fun experience of being specifically de-platformed from Stripe because someone at Wells Fargo objected to what we were selling, despite having received Stripe's approval. (This was after several million dollars had run through Stripe, so it obviously caught someone's attention.) Ridiculous, the idea that Wells fucking Fargo is some sort of paragon of virtue.
Very likely (I work for a payments co and many of our rules are pass throughs from Visa)
Does it matter? It's a private business, they can do what they want, right?
Eh it's kind of relevant. I worked at a high end tobacco sales company and we were limited to a few payment providers due to selling tobacco online. This amounted to using a very second tier provider. Also PayPal would flag anything with the words Cuba in it. So many cigars use the word Cuba, and we didn't sell those. Annoying at best, but at worse we had more frequent downtimes because our payment gateway wasn't close to reliable.
Yeah I mean to build out whatever necessary to move away from Stripe and process payments internally.
That requires orders of magnitude more capital/work than what got the app to where it is. At that scale whatever this app already has built is irrelevant.
Not to say this app isn’t valuable, because it is, but that you don’t just build your own payment processor.
To extend the analogy further, that's like saying "I'll just build my own electricity company" when they cut your power.
Thought about this so many times with domain registrars. I’m content not being a huge company. Way simpler.
OPs app appears to be for physical, in person transactions. Pornhubs problem was online transactions.