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I'm worried about it as well (single person business, barely started). I was advised by a friend to have an account at another payment processing platform, and be ready to switch very quickly if needed.

Adyen is a possibility. I never used their services so I cannot say if they are a good alternative. But they exist, and some people swear by them.

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Another alternative to fully preparing a separate billing pipeline (which could be quite a lot of work) would be to add a “free switch” you can hit which allows users to sign up m, have them confirm a plan, and gives them access to the product, to be billed at a later date.

That means that in a crisis you can still sign users up, and take a few days to sort out the billing situation.

Could save some time up front, and if Stripe ends up never causing a problem you didn’t waste effort on unneeded complexity.

I recently saw Adyen and was interested, however, you need a minimum of £5M a year they told me :(

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