edwinwee

can't speak to the actual service, but can confirm they have excellent bananas (not kidding)

Sorry about this. Could you forward that email to me at edwin@stripe.com?

Got it. We've just sent an update. Sorry for all the trouble.

Just checking—have you emailed? Happy to take another look.

Transaction = only successfully authorized and captured payments.

Sorry about that. We're also seeing a small handful of cases like this—it seems like there is some inconsistency in how IRS agents are handling. We're working on updating this guidance. (Ross—we're replying to our email thread now. And for any other Atlas founders who have questions about this in the meantime, you can reach us at atlas@stripe.com.)

You can block by issuer / BIN with Stripe Radar: https://stripe.com/docs/radar/lists#default-lists.

You can also request to receive BIN per transaction if you write into support (https://support.stripe.com/contact/login). This isn't allowed by default because Stripe needs to make sure the setup and use case is secure to ensure PCI compliance.

Radar is included for free in the base offering.

(Edwin from Stripe here.) Worth noting this is copypasta from an older post from a month ago (https://piotrmierzejewski.com/p/card-networks-exploitation). We've fixed most of these issues since then. This type of card testing has dwindled—Radar should now be catching these types of attacks.

On the chargeback point—we hate chargebacks too and we want to limit them as much as possible (we're actually working on a few things over here that we think will help with this). The banks levy chargeback fees (in varying amounts) and an average of them show in the form of a $20 fee—it's not a Stripe-specific fee and we don't profit from chargebacks.

We've just finished company planning for the rest of the year and reducing this type of fraud is a top priority. So if you think you're seeing something similar, please email me at edwin@stripe.com.

"May have" because OP's HN name is "tempaccount3333", and I did ask them to email me once before, but I don't see anything—so I need them to reach out so I can identify their account and see what's going on.

There's no identifying info here (name or business) and we don't see any emails referencing this thread.

(Edwin from Stripe here.) I think we _may_ have chatted? (Hard to tell with tempaccount name.) Could you email me at edwin@stripe.com and link to this thread?

There are a bunch of factors—we look at your refund and chargeback rates, then your revenue and how much you have in your Stripe balance. For macro factors, the card networks may also sense an uptick in refund requests depending on the product/service you're selling.

That said, I see your email into our support team and we're taking another look at this now.

yes

lol looking through my recruiting notes... no such thing has ever happened

Hey — I work at Stripe. Sorry about this. Could you email me at edwin@stripe.com and we can dig into this more?

(I work at Stripe and don’t want to publicly provide specifics for privacy reasons, but, yes, we’ve been in touch with OP already about their business model. If we assess customers are requesting refunds and filing disputes, funds are reserved so that all customers can receive refunds in a timely manner.)

Sorry about this. I work at Stripe — could you email me at edwin@stripe.com and we can dig into this further?

Yep, Stripe partnered with W3C on this. Built into Stripe Checkout (and now Link).

Not sure if you still use the Klarna/Stripe integration at your current place, but curious to hear what went wrong. Could you email me at edwin@stripe.com?

I work at at Stripe and would like to dig into what happened here. Could you email me at edwin@stripe.com?

Hey — I work at Stripe. Sorry you got hit by card testing. Could you email me at edwin@stripe.com and we can take a closer look?

Could you email me at edwin@stripe.com and I can take about look?

(Dupe of https://stripe.com/newsroom/news/stripe-series-i-employee-li... https://news.ycombinator.com/item?id=35175063)

really interesting

“Do not honor” is a decline from the customer’s card issuer — they might think something’s off with the payment or there’s something up with the customer’s account. If you haven’t talked with our support team yet to dig in, could you email me at edwin@stripe.com?

Stripe is a direct network platform, meaning, we work with Visa, Mastercard, etc. and the charges are run directly through the card networks, which negates the need for a middle acquiring layer.

You need to add the articles you want to read. I use the Chrome extension. https://blog.readwise.io/p/bf87944f-b0fe-4f08-a461-f75ab8ade...

YouTube feature is dope, congrats on launch

There is no company (that we're at least aware of) on Stripe that is using this combo of Stripe products and paying the "total cost" outlined in the post. Our pricing scales with the size (and needs) of the business. If a business on Stripe is large enough to use our highest billing tier, quotes, revenue recognition, and data pipeline together, then Stripe would've bundled the products together. (And then we charge for them at the end of the month with a volume-based rate of bundled products + payments.) These products are built for the companies who've asked us for these enterprise features and aren't necessarily meant to be used one-off, as the post implies.

There’s no charge to use Stripe after the $500 Atlas fee to form a company. What fees are you seeing? If you’ve maintained a presence in Delaware, perhaps you’re still paying for your registered agent? (You can also email me at edwin@stripe.com and we can look into this.)

Ethereum, Solana, Bitcoin, USDC, and Matic.