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Comment by batmaniam | Hacker News Reader

Stripe's customer service is pretty much nill, borderline negligence. One possible explanation could be a bad actor using your site as a testing ground for stolen cards. If enough has happened, then Stripe will just cut you off from everything. Do you have safeguards on your site to validate those cards?

But at this point, since Stripe has completely screwed you, I'm not sure what anyone here can say other than to get a lawyer. Stripe has already inflicted very real monetary damages to you, and possibly reputational damage. I'm sure once you send a lawyer at them, you'll get a response quick. I would also contact your Attorney General in your state, and file an official complaint. AG may look into it eventually if complaints pile up against Stripe.

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>If enough has happened, then Stripe will just cut you off from everything. Do you have safeguards on your site to validate those cards?

Isn't the whole point of Stripe that you don't need to do this? How can I know if a card is valid?

Are you tracking declined payments, and using the fraud/risk metrics? Doing ZIP checks and 3D secure?

Isn't that why I use Stripe? They handle the payment details.

Stripe doesn't know you or what kind of customers you will bring. So you're still on the hook to monitor fraud among your customer base, and they give you a few options to do that, like the zip code check. If your fraud/dispute/chargeback rates are low, you remove those checks to have less friction at the checkout.

Stripe has options for that but pretty sure it defaults to some level of verification

Stripe has to be far more sophisticated than that.

Clustering by request IP is a first order scoring for fraud detection.

Say then instead a bad actor is using a bot-net to run a purchase script to validate cc’s. Unusual purchase activity is also first order for fraud detection.

> a bad actor using your site as a testing ground for stolen cards

Happened to me when launching a new site. Quickly refunded all payments, but still had to pay the fees.

What's the point in Stripe and services like that if they don't protect you and customers? Transfer money around? That's a low bar.

Stripe charges for protection https://stripe.com/radar/pricing

> Chargeback Protection

> Defend your business from the unpredictability of disputes. With Chargeback Protection, Stripe will cover both the disputed amount and any dispute fees—no evidence submission required. Chargeback Protection costs just 0.4% per transaction.

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