Everything was fine, up until right after Thanksgiving. This was an ecommerce company, so a sudden 500% increase in authorization volume is pretty normal and expected. Well, not to Costco ( or rather, the bank whose services they were reselling ). Our account was immediately deactivated, and we ended up having to spend a week begging our previous bank to reactivate our previous account.
That first night was, personally, an all-nighter writing janky code to encrypt cardholder data with ephemeral keys and store it off-database on an isolated, firewalled host (in order to pass the PCI-DSS SAQ coming to us in January), ship the product anyway, and hope that we'd be able to authorize a reasonable percentage of that unauthenticated cardholder data in the future.
This is what happens when you make business decisions based purely on price -- or in the case of Stripe, developer convenience.