One bit of advice for your post: Talk a bit more about your business model - where the funds are coming from etc. It is coming for your customers (other businesses) or their customers (the shoppers)?

I understand Stripe is keeping money you believe should be released to you. But hard to form an opinion over something with very little context.

"Unauthorized charges" seems to imply that Stripe believes you've not commnunicated to your customers what you will be charging, and charged them anyway. Did you?

What exactly is in the "Unauthorized charges" email?