This is likely due to regulatory/AML-ish issues. If you do get in touch with a human at Stripe, once they understand it they may cut you off completely. You may even need to be registered and compliant in each of 50 states as a money transfer business [1]. If this seems uncool and heavy you might want to find another business model
> there are no other sellers except us - our customers (riders) they only deal with us and not anyone else
Since you seem to be storing value for people, and then transfer that to another as-yet-undetermined party in the future, see my first comment
[1] https://www.fincen.gov/money-services-business-msb-registrat..., "Civil and criminal penalties may be imposed for violation of the registration requirement"
EDIT: You are transferring that money later to the track owner of the future event, right? I dont know the rules, but they are byzantine. You probably want to understand the rules before you approach Stripe. It could be as simple as a no-refunds policy, or getting rid of the stored-value-cards, or having AML process for track owners, I have absolutely no idea.
Why are you calling them gift cards if they can't be transferred? That's like asking for regulatory alarms [2]
[2] https://www.fdic.gov/consumers/consumer/news/december2019.ht... "FDIC Consumer News: What You Should Know About Gift Cards"
Person 1 buys the gift card, they are the only ones who can use it to buy events from us - they have no actual cash value, it cannot be transferred to anyone or be used to make purchases for anyone else - the person who buys the gift card gets to use it
See - https://precisiontrackday.org/policies/gift-cards-terms-and-...
Is this still an issue?
If you described it as "buying access to an event in advance", then it would be fine, but the point of a "gift card" is to "gift" it to someone.