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I agree with all this and it may be the reason I leave stripe soon.

I deal a lot in USD as an Australian company but stripe won’t allow us to charge in USD and settle into our USD bank accounts. But others will.

Also the refund issue is crazy, no other provider we use does it.

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IANAL, but couldn't you incorporate a wholly-owned US subsidiary using something like Stripe Atlas to handle USD payments and reduce your fees?

By the way, my company has the opposite problem. Our Stripe account is registered in the UK and even though we process payments for Australian customers in AUD their local banks still charge them an extortionate "foreign transaction fee". This means that we had to open a separate Stripe account registered in Australia just to avoid that.

i dont want to open a US business just to process US payments. the cost and time would be to high. and taxes. did you open a australian stripe account without an australian business?

We had to incorporate in Australia anyway, so I guess you're in a different situation.

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