Stripe Payments Review

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Date Established
2010
Location
San Francisco, CA

Pros

  • Excellent developer tools
  • Predictable flat-rate pricing
  • Advanced reporting tools
  • Ideal for international merchants
  • Excellent marketplace tools
  • Excellent subscription tools
  • Multi-currency support

Cons

  • Account stability issues
  • Not suitable for high-risk industries

Overview

There’s no question that Stripe is a media darling. With its hip, trail-blazing co-founders, its focus on empowering Internet businesses with a developer-first focus, and flexible solutions for almost any kind of online business, that’s not surprising. We haven’t even gotten to all of the big-name online businesses that Stripe processes payments for: Lyft, Under Armour, Blue Apron, Pinterest, Wish, TaskRabbit, and more. There’s a lot of talk (and a lot of news articles) about how Stripe wants to change how the entire Internet does business, and all the innovation the company embraces. And Stripe claims that there’s an 89% chance that a card a merchant processes has been seen on the Stripe network previously (even if the card is new to your business). With its massive array of clients, Stripe’s reach is right up there with the titans of industry.

But does the reality live up to the hype?

Stripe is a third-party payments processor built around a simple idea: making it easy for companies to do business online. It’s not just about processing credit cards — that’s boring to most people. Actually, the fact that Stripe accepts credit cards is often secondary to all of its developer tools. Regardless of what anyone might think of Stripe’s reliability or customer service, there’s no question that the developer features are industry-leading and the documentation exceeds just about anything else out there. Whether you’re a SaaS business looking for subscription billing or a marketplace looking for an easy way to split payments — or an online retailer looking for a way to power in-app payments — Stripe has you covered. Its feature list is impressive, if a tad overwhelming for the uninitiated. And since mid-2018, Stripe has begun making some significant changes to its business: new pricing, implementing 24/7 customer support, and even new, game-changing features.

There’s a lot to love about Stripe, that’s for sure. It’s powerful, easy to use, and chock-full of features. But it’s not for everyone.

First, as a third-party processor, Stripe isn’t immune to the same sort of problems that plague PayPal, Square, and other payment processors that aggregate accounts rather than opening individual merchant accounts: frequent account holds and/or terminations. Check out a few Stripe reviews just about anywhere on the web and you’ll see some unhappy merchants whose accounts have been terminated.

Second, while you can certainly use Stripe to run online payments for a simple eCommerce site, that’s barely tapping into Stripe’s potential. There are plenty of other options capable of meeting a merchant’s requirements, and most of the time you won’t need a developer to implement them. Plus, if you’re interested in a ready-made all-in-one platform to handle in-person payments and ecommerce, Stripe isn’t a good selection.

However, between the round-the-clock, live customer support and all of Stripe’s many features, I can’t deny that Stripe is very good at what it does. If you want the ability to build a payment processing platform from scratch with top-tier developer tools, Stripe should absolutely be at the top of your list. If you want powerful tools for a subscription-based business, Stripe should be one of your top picks. If you want powerful fraud prevention tools, affordable business intelligence, and payment processing that will let you accept orders from customers all around the world, Stripe is for you. For all of these reasons, Stripe has earned itself a respectable 4.5-star rating.

Check out the full review for more information, and let me know what you think about Stripe in the comments section!

Products & Services

Stripe’s basic offerings are deceptively simple, but underneath you’ll find tools you probably didn’t even realize existed. Everything is broken down into two categories:

  • Payment Processing: Stripe gives you instant access to processing, much like Square or PayPal does. It’s a third-party processing service (also known as an aggregator), which means the company will approve you almost instantly and scrutinize your account more closely as you continue to do business. That tends to lead to more terminations than a traditional merchant account, which does its vetting in advance and offers more stability. Stripe’s processing services are available in 25 countries at the time of writing this (including beta tests), but it accepts more than 100 types of currency.
  • Developer Tools: This is the part of Stripe that most users really sink their teeth into. These APIs (application programming interfaces) provide an incredibly solid and well-considered framework for developers to quickly and easily integrate the Stripe payment platform using a variety of languages (curl, Ruby, Python, PHP, Java, Node, etc.). It’s a solid foundation to build on and expand your business, and Stripe updates its features and the documentation constantly.

If you want to take advantage of Stripe’s payment processing without getting involved with the developer tools, consider using a Stripe plugin or integration partner. Stripe officially offers more than 300 partnerships for integration, all listed on its “Works With” page.

As far as eCommerce is concerned, there’s 3Dcart (read our review)BigCommerce (read our review), Shopify (read our review)Wix (read our review), and Weebly (read our review), just to name a few. You can also integrate Stripe with CRM software, invoicing platforms, business analytics, accounting, shipping tools, referral marketing and more.

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Here’s a quick rundown of some features Stripe has set up for you (or your developer) to work with:

  • Payments: If you just want to sell online through a shopping cart, you don’t need to dig heavily into Stripe’s payments-related tools if you don’t want to. However, if you are curious about what Stripe can do, here’s a quick primer:
    • Accept payments on the web, through mobile apps, and in-person.
    • Accept credit cards, mobile wallets, and localized payment methods, including storing payment methods in secure vault.
    • Accept transactions in currency from all over the world and convert it automatically.
    • Includes a pre-built embeddable checkout form (Checkout), plus the ability to build a form from scratch or using pre-built components (Elements).
    • Includes PCI compliance at no charge, including assistance with data migration if you leave Stripe.
    • Includes financial reconciliation tools.
  • Billing: If you want to send one-off invoices or manage monthly billing/subscriptions, Stripe Billing encompasses all of these features. Stripe’s subscription management tools are extensive and allow you to bill customers as frequently as you need and create plans based on usage, number of users, flat fees, or any other model that works for your business. Plus Stripe includes marketing tools such as free trials. 
  • Connect: Connect is a suite of tools designed specifically for marketplaces and platforms (think Kickstarter or Uber/Lyft). Stripe supports more than 100 currencies and automatically converts them. You can also use Connect to verify international sellers, add descriptor text that appears on credit card statements, and automate payments for marketplace sellers or create a custom payment schedule.
  • Atlas: Atlas allows international businesses to incorporate in the U.S., set up a U.S. bank account, and get tax and legal guidance. Stripe says it has had more than a thousand startups apply in more than 120 countries, and it has added more than 100 partners to the network since the launch.
  • Radar: Radar is Stripe’s solution to eCommerce fraud, and in early 2018, it got a massive overhaul. Radar 2.0 uses machine learning to better identify and stop credit card fraud, and takes into account a massive stream of data to determine the likelihood of a fraudulent transaction, including the card’s previous transaction history on the Stripe network. Radar also looks at your business’s payment processing and compares it against multiple data models to determine which one will work best for your business while reducing fraud and preventing false positives — that is, flagged transactions that are actually legitimate. For enterprise-scale businesses, there’s Radar for Teams, which gives merchants tools in their dashboard to allow them to set specific rules for transactions, test what impact those rules will have based on previous data, and reduce the amount of manual work your team has to do. This is, of course, all on top of the various fraud prevention tools such as AVS and CVV checks.
  • Relay: Relay allows you to power purchases in mobile apps, creating a mobile marketplace of sorts. Relay’s features allow merchants to link their eCommerce catalogs with your app or directly upload product information. Relay creates in-app buy buttons and forwards all the sales information to the merchants to fulfill the order.
  • Sigma: Whereas a standard, tech-driven payment processor might let you generate custom reports using a selection of pre-built criteria and call that advanced, Stripe Sigma lets you create truly custom reports using SQL. If you can write an SQL query, Sigma can give you the data for it (assuming, of course, Stripe collects that data). This is really well beyond what you’ll get even from Square, which is definitely top-tier for reporting, and moving into the realm of advanced business intelligence. But instead of paying an expensive monthly subscription fee for those tools, Stripe prices Sigma using a sliding scale based on the number of charges per month.
  • Terminal: I was excited, at first, to hear about the announcement of Terminal, which is Stripe’s set of tools for POS payments, complete with integrated, ready-to-go hardware. But then I realized that Stripe isn’t offering a POS (or mPOS) app with a terminal. It’s offering the developer tools to create a POS app and integrate it with Stripe. (Also, it’s still in beta, not widely available.) Currently, the SDKs support Javascript-based web POS systems as well as iOS for mobile. Stripe says that an Android library is “coming soon” — and unlike…well, most services I review, I genuinely believe we’ll see Android support sooner rather than later. However, it’s worth noting that the credit card readers that Stripe offers are actually very reasonably priced, and you’ll get competitive pricing for in-person transactions. This is a game-changer because there’s a handful of app developers who have created mPOS/POS apps powered by Stripe — though you pay the eCommerce rate for transactions, which is not even remotely competitive.
  • Issuing: Another new addition to Stripe’s feature set is the ability to generate physical and virtual cards. This would allow, for example, a company to create employee expense cards, or for creators of mobile wallets that use Stripe as a back-end processor to issue cards linked to the user’s mobile wallet balance. This feature is also in beta, and it probably won’t have a lot of appeal to your average merchant….but I am nothing if not thorough, so it gets a mention here.
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Two more features I’d like to talk about are Stripe’s support for teams and its support for global merchants. One of the (relatively) new features Stripe offers is the ability to create teams and set custom permissions for your users. This allows you to delegate responsibilities while still securely controlling access to your data. This is, like several of Stripe’s features, probably of most interest to enterprise-scale businesses, rather than your typical small business, but I do want to point it out. Second, Stripe isn’t just available to US merchants. At the time of writing this, Stripe supports merchants in 26 countries, and that number has been steadily growing over time.

That’s Stripe in a nutshell. If you’re wondering, “Do I really need all that?”…the answer is probably no. If you don’t have a developer on the team, and you have no coding experience yourself, you’re not going to be able to get the most out of Stripe. It’s powerful, but it’s not a solution that works for anyone or everyone. Stripe is more friendly to large businesses, high-tech businesses, SaaS platforms, and marketplaces. If you’re just trying to run an eCommerce business, you might want to check out one of Stripe’s processing partners and get set up through them, or look elsewhere entirely. Square and Shopify both offer similar feature sets and comparable pricing — plus, Shopify’s white-label payments service, Shopify Payments, is actually powered by Stripe. But you get a much more merchant-friendly platform that isn’t reliant on your ability to write code.

Fees & Rates

One of the nicest things about pay-as-you-go processors is that they generally have a pretty clear pricing structure. For credit card and ACH transactions, Stripe charges simple, flat rates

  • Credit Cards: 2.9% + $0.30
  • ACH: 0.8% (capped at $5)

Stripe does offer nonprofit discounts and a micropayments plan, but the details of these services are not disclosed. Stripe says “contact us to talk about them,” which is a pretty clear sign that not all merchants will qualify for them.

It’s worth noting that Stripe will not refund processing fees, even in the case of returns and refunds. Be prepared for this when you create your business’s return policy. Additionally, Stripe charges an industry-standard chargeback fee of $15. I like that it will refund this fee if the chargeback is decided in your favor, even though it won’t refund transaction fees generally. Not all processors do this, and it’s fairly generous considering that they have to pay to do the paperwork one way or the other. However, customer reviews of Stripe suggest that very rarely, if ever, will you have a chargeback decided in your favor.

Here’s some proof that Stripe really likes international businesses: Merchants can display prices in multiple local currencies instead of just 1. Stripe automatically converts them for you. You’ll pay a 1% conversion fee on top of transaction fees, but you won’t have to worry about exchange rates or anything like that. Plus, Stripe offers extensive support for popular, localized payment methods across the globe.

Stripe offers two-day payouts to most US-based merchants, except those it deems “high risk.” However, most international merchants will encounter longer funding times, all based on which country they’re in. While 2 business days is pretty standard across the industry, you can get faster payouts from some merchant account providers, as well as Square.

Beginning in the spring of 2018, Stripe began making some changes to its pricing for its supplementary services, including Billing and Sigma. So let’s take a look at what those extra services will cost:

Billing: Stripe has broken its billing tools down into two tiers: Starter, and Scale. The Starter plan for Billing is free for the first $1 million in recurring transactions. After that threshold, Stripe charges 0.4% per transaction, on top of processing costs. The Scale plan charges 0.7% per transaction; however as a tradeoff Stripe offers a discount on ACH credits and wire transfers as well as access to Stripe Sigma, which would be a separate charge on its own.

Connect: Stripe’s marketplace tools come with an assortment of additional fees if you opt to use Express or Custom accounts instead of Standard.

That includes a $2/monthly fee + 0.25% markup on account balances, $0.25 per ACH payout, and account debits at a 1.5% transaction fee. However, Stripe may negotiate with you if your business’s needs are atypical, so you can get a better deal that suits your needs.

Radar: If you need super-advanced fraud tools, you can get an add-on suite at a cost of $0.02 per transaction processed. Honestly, I don’t think most small businesses will need this. These advanced fraud protection tools are mostly meant for very large businesses with multiple staff members who help analyze the data and spot fraudulent transactions.

Sigma: Stripe’s business intelligence/advanced reporting tool is actually a sliding scale priced based on your overall transaction volume, rather than based on some tiered model. I actually like this because it puts some powerful tools into a very reasonable price range even for very small businesses.

Below 500 charges a month, you pay only $0.02 per charge (up to $10). Above that threshold? You’ll pay a monthly infrastructure fee (starting at $25 and increasing with each tier), but get a discount on the per-transaction fee. For example, for 501 to 1,000 charges per month, you would pay $0.018 per charge versus $0.02 in the previous tier. I really like Stripe’s tool for estimating the pricing (pictured above) as well.

Terminal: For businesses that want to integrate Stripe Payments into a POS system, you’ll process payments at 2.7% + $0.5 per transaction. There are no additional fees to access the developer tools. Stripe offers a choice of 2 integrated card readers, a BBPOS Chipper X2 BT, and a Verifone P400, which sell for $59 and 299 respectively.

If your primary criterion is cost, keep this in mind: Stripe is competitively priced, but it’s not the most affordable option. There are still many interchange-plus plans, as well as nonprofit discounts, available. Stripe’s lack of monthly fees is a mark in its favor, especially for low-volume merchants. and its costs for add-on services (such as Billing) are very reasonable. In the end, though, you can only be sure you’re getting the best deal if you compare the numbers for yourself.

Contract Length & Early Termination Fee

No early termination fee. Period. Thumbs up. That’s what we like to see here. And remember we said Stripe will help you export your customer data and take it with you if you ever decide to leave.

However, I can’t stress this enough: Just as you’d read a contract for a merchant account, read Stripe’s terms of service before you sign up. As with most other third-party processors, Stripe does include a provision that it can terminate your account or implement a hold if it deems your business an unacceptable risk (or for pretty much any other reason, or no reason at all).

If you prize stability over anything else in a processor, Stripe isn’t a good choice for you. But if you’re looking for flexibility and no monthly fees, or a scalable platform to build your business on, Stripe is definitely an excellent choice.

Sales & Advertising Transparency

Stripe uses transparent, ethical, fair advertising, with none of the common problems seen from big companies. Stripe has no hidden fees, no unusual contract terms, and no scams or gimmicks to speak of.

If you’ve processed cards before, you shouldn’t be met with any surprises from Stripe as far as financial operations go. If you haven’t processed cards, then there might be a slight learning curve. But Stripe is a good company to learn with (financially speaking) since the service is entirely pay-as-you-go.

I do wish it was a little easier to learn about some of Stripe’s features. It’s not that the information doesn’t exist; usually, it’s buried in the documentation part of the site rather than laid out on the main pages. That’s better than many companies that don’t offer any sort of information at all, at least.

Customer Service & Technical Support

I’ve spent a lot of time reading customer reviews of Stripe, and seeing how they evolved and changed over time. And in the last couple of review updates, the major thread that I noticed among the complaints was the merchants’ frustration at the inability to reach someone at the company in real time. I figured it would only be a matter of time before Stripe caved and implemented some form of phone-based customer support.

I wasn’t expecting Stripe to roll out 24/7 live chat AND phone support to all of its customers. This is in addition to Stripe’s self-help knowledge base, email support, and Freenode IRC chat (#stripe). While I’ve found that the developer documentation is better at showcasing different features and abilities than the knowledgebase, it will cover most of your basic questions.

Overall, the comments I’ve seen about Stripe’s support have been good. Most of the negative experiences seem to relate to account terminations or funding holds. And that’s nothing new or unique. Those complaints are fairly typical of any third-party processor (including Square and PayPal). However, we’ll need a little more time to properly gauge how effective these new customer support channels are.

Negative Reviews & Complaints

At the time of writing this review, Stripe’s BBB page still has an A+ rating with 343 complaints in the past 3 years, 125 of them closed in the past 12 months. That’s a departure from the last tally of 403 complaints in the previous 3 years, 87 of them in the previous 12 months.

Stripe also has 84 reviews on the BBB page, with an aggregate rating of fewer than 2 stars out of 5. That is disappointing, but not exactly surprising. You can find other positive reviews elsewhere on the web, but that’s another section. We’re looking specifically for the bad stuff right now.

I did look at a few other review sites to gather some more information on merchant experiences with Stripe, and the reviews were definitely mixed. Some merchants do love Stripe; others have problems. These are what I’ve found to be the most common complaints:

  • Account Holds & Terminations: Without question, the most common complaint against Stripe is sudden account terminations and sweeping payment reversals without notice and with little explanation. Merchants also comment about sudden holds on their funds while their account is “under review.” This kind of thing happens all the time with third-party payment providers. While they give you instant access to payment processing, they can (and absolutely will) review your account and processing habits soon after you begin to use the service. At this point, they can cancel your account for any number of reasons, real or perceived.
  • Unresponsive Customer Service: This seems to come up less often with everyday problems, and more when a serious and difficult concern comes up (such as funds being held or accounts being canceled). More than one user has complained about being ignored in these situations, or it taking days, or weeks, to get a response. We’ll have to see how these complaints change as merchants get more experience using Stripe’s new support channels.
  • Not User-Friendly: Stripe is not a payment processing option for the layperson or the DIYer — not unless you’ve got coding experience. Plenty of users complain about the ease of use (or, perhaps more accurately, the lack thereof). Remember: Stripe was built with developers in mind first and foremost. If you need something that you can just plug and play, this is not the option for you. Instead, I highly recommend checking out Square if you’re chasing simplicity over everything else.
  • Lack Of Fraud Protection: This issue ties into the matter of chargebacks, but is also worth discussing in its own right. Merchants don’t seem to feel like Stripe gives them any way to protect against fraudulent charges and chargebacks. That’s not to say there aren’t any tools that merchants can enable — there are several. But it’s the merchant’s responsibility to review those fraud monitoring controls and enable any features they deem appropriate.

The lack of fraud protection is not something to take lightly, and so I really dug into it. This is what I found: Stripe has an automatic algorithm that works to identify fraudulent transactions and flags them. There is not a lot of information out there about how it works. We do know the system can generate false positives, so if you find a declined transaction that you know to be legitimate, you can override it and try the transaction again.

You can also mark transactions as fraudulent and refund them yourself (make sure you report them to Stripe.) Second, you can enable CVC and AVS (address) checks and automatically decline transactions that fail them (these are two separate things). That second part is important because a transaction can still go through even if the checks fail. However, at the same time, it is not uncommon for legitimate shoppers to get their own zip codes wrong. These checks aren’t enabled by default, so you have to go in and adjust your settings yourself. That should be one of your first steps after signing up with Stripe, to be honest.

In the meantime, do your homework: Check that you have any relevant security measures enabled. And if you notice a change relating to Stripe’s fraud protections, let us know!

Positive Reviews & Testimonials

Stripe has an expansive and impressive list of successful clients, including IndieGoGo, Reddit, Mashable, Volusion, eHow, Hubspot, and recently, Amazon.  We’re talking about some major Internet players, which definitely constitutes a big deal — even though no specific praise is given besides their continued business.

While Stripe doesn’t go as far as Braintree does with intensive case studies, it does at least offer a nice page of logos for you to browse and some shiny marketing copy. Aside from that, I would love to see some case studies about features beyond fraud prevention, and maybe some more proof from some small and medium-sized businesses, not just the giants of commerce.

From the user reviews I have seen, merchants seem to love the freedom and control over their payment systems that Stripe offers. Those that have developer teams say it’s also very easy to use and flexible enough to accommodate their needs, and the APIs allow for easier integrations than some alternatives. Most think the pricing and value are pretty fair for what you get (the developer tools are included at no charge, after all). I do see some praises of Stripe’s customer service, as I previously said.

Please leave us a comment if you have firsthand experience with Stripe. Make sure to review our comment policy before posting to ensure we’re able to publish your remarks.

Final Verdict

Without any doubt, Stripe is a major contender in the new, simplified, stylized online payments industry. Stripe, Braintree, and probably others I haven’t discovered yet are all vying for the top spot, each offering subtly distinct services, but all charging almost the exact same rates and operating on similar business models. PayPal (read our review) and Square (read our review) figure in there some way too, especially as they move more and more into the realm of omnichannel commerce, not just mPOS or ecommerce.

In theory, Stripe delivers everything that small and large merchants alike should want. However, it has one major shortcoming, and that is the stability of its clients’ accounts. Unfortunately, that’s not exactly a unique failing among payment aggregators, either. If you want guaranteed stability, your best bet is one of our top-rated merchant accounts.

Second, many tools are targeted especially at developers, large businesses, and marketplaces. It’s all well and good that Stripe offers them. They’re important. If you’re tech-savvy, or you have someone to handle the code for you, you’ll go far with Stripe. But if all you want is an easy way to take payments on your website, I don’t see a clear advantage of using Stripe over one of the other options. In fact, Stripe will probably be far beyond what you need.

And finally, you’re going to get competitive pricing with Stripe, but it won’t be the lowest pricing you can get. For that, you will have to look elsewhere. You can start by comparing our preferred merchant accounts, all of which deliver in terms of exceptional stability, customer support, and pricing.

Stripe has earned its 4.5-star rating for now. It is not a perfect processor, but it is a very, very good one. Ultimately, ask yourself two questions: (1) Will you use the tools Stripe has to offer? (2) Does Stripe have everything you need? If the answer to both questions is yes, it’s worth pursuing. If the answer to either question is no, you should look for other options.

Thanks for reading! Have questions or personal experiences with Stripe? Check out our comment guidelines, then leave us your thoughts.

Melissa Johnson

Melissa Johnson

Melissa Johnson has been writing about payment processing and mobile payments since 2014, and has been quoted in articles for Credit Karma and The Next Web, among others. She graduated from The University of Kansas in 2010 with bachelor's degrees in English and journalism.
Melissa Johnson

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204 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Jamie Potter

    Organization Name: elements heating

    don’t use this company under any circumstances. my clients paid via strip by accident and i have been charged to refund the moneys back. unclear on how there system works they are here to rob you. it was not made clear to my clients that charges would be made by using this service and as a result i have paid out money for nothing, to be exact them taking a payment then refunding it straight away.

    1
    • Organization Name: elements heating

    This comment refers to an earlier version of this review and may be outdated.

    AJ Gabriele

    Organization Name: Your Biz Blaster

    STAY AWAY FROM STRIPE… CUSTOMER SUPPORT NEVER GET A HOLD OF NO ONE…They keep your money and then close your account..WORSE THEN PAYPAL…1 Billion Dollar Evaluation What A Joke… I wouldn’t even give you 1 Dollar For This Company. Remember People Their Are Alot Of Other Credit Card Processors Out Their DON”T GET BURNED BY STRIPEAnd whats funny all the GOOGLE Reviews answers they give you please respond to SUPPORT at Stripe… THEY DON”T ANSWER YOUR EMAILS THEY AREA JOKE… Spread the Word.. We Do Websites and we tell our clients To Stay Away From Stripe…..

    1
    • Organization Name: Your Biz Blaster

    This comment refers to an earlier version of this review and may be outdated.

    iHoverboard UK

    Organization Name: Shenzhen Double King technology Co., LTD

    I setup my website with stripe , accept the money by credit card , it’s good. like .it .

    5
    • Organization Name: Shenzhen Double King technology Co., LTD

    This comment refers to an earlier version of this review and may be outdated.

    Jason

    Organization Name: United Wholesale Flooring

    Worst company to deal with about chargebacks.I take them 3 months to respond while if you use a company like Bank of America (first data) it takes only 1-3 days. On top of that, it takes them few days to deposit the money while other banks are only 24-48 hours. After processing over $2,000,000 when we got couple chargebacks we realized we need to switch and we are happy that we did, so now we use BofA merchant with Autrize.net gateway. 1- Better Rates2- Not out of money for 3 months because of a chargeback mistake by our customer.3- I just have to say I hate Stripe.

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    • Organization Name: United Wholesale Flooring

    This comment refers to an earlier version of this review and may be outdated.

    Jennifer Taylor

    Organization Name: Mrs.

    A prospective client was precluded from receiving a massage as she came in with two ailments that I do not massage nor treat / diagnose in any form. The client read and agreed to our terms of service at the time that signed off on our sick policy twice. She is unhappy that she did not take the sick policy seriously and she believes that she should not receive the fee for coming in sick even though she was fully aware that there is no charge to cancel if sick, but she dismissed this and came in putting my, my business and subsequent patients/clients at risk. Stripe emailed me advising me of the dispute that had zero reasons listed. Stripe immediately withdrew the fee amount plus dispute charges out of my business account before I had even 24 hours to respond yet in the email they sent, they stated that I had 14 days to respond. This is now an issue with accounting. I requested a call back for last Tuesday between 10:00 am and noon, yet the representative at Strip dismissed my availability and called me Monday when I was with clients. Very unprofessional business practices!

    1
    • Organization Name: Mrs.

    This comment refers to an earlier version of this review and may be outdated.

    Mitch Smith

    Do not trust Stripe with your business.We chose Stripe because it was a popular choice among our competitors.With no prior warning, we received notice that our account will be closed permanently in 5 days due to operating in a “high risk” industry. This is despite the fact they advertise multiple companies on their website as their customers who operate in exactly the same space.The 5 days we have been given fall on a weekend, giving us only 3 business days to choose a new provider and integrate it within our system. This is a ludicrously short amount of time and simply isn’t possible. Implementing Stripe into our system was expensive use of development time, which we trusted Stripe to maintain. We are now forced to repeat this process with another provider.We have been in contact with their support but have received no explanation. We have received nothing but canned replies. We offered to increase fraud detection checks on both our website and Stripe as well as a delayed payout or increased holdings on our account, but Stripe will not assist us. Our questions have been avoided and they have been unwilling to look into the case.We’ve been in business for over 5 years and have a very low chargeback rate. We provide server hosting, like thousands of other companies using Stripe, including customers they advertise on their own website (DigitalOcean & RackSpace).Using Stripe is a game of Russian roulette. If Stripe will do this to us, they can do it to you as well. It is not worth the risk of trusting Stripe with your business.

    1

      This comment refers to an earlier version of this review and may be outdated.

      walt ward

      Organization Name: Libra

      In one word, Stripe sucks! It is one of the most difficult companies I have ever dealt with and forget about actually talking to someone or even emailing with someone that has a brain. They basically find every excuse in the world to delay or hold your payments. Not sure why, but I am pretty sure they probably get a return on your money while they have it.This is first time I have ever taken the time to write a review…that is how bad they are to deal with.

      1
      • Organization Name: Libra

      This comment refers to an earlier version of this review and may be outdated.

      Anthony Claxton

      Organization Name: Alpha Cyber Systems

      Absolutely HORRID experience. I build custom computers for customers all over the US, and these scumbags have placed my funds on hold for 90-days TWICE now. TWICE! Because they think it is a “high-risk” market. Newsflash for you idiots: Most business endeavors require some risk in one form or another. Now I am unable to get my customer’s products to them in time and they must wait 3 months just because Stripe likes to reach into your pocket and play with your company’s revenue .Even when making disputes, you’re most likely going to lose them because these dimwits just don’t care about their users. Stripe takes a cut off the top of your customers’ money, puts those funds on hold, then you don’t see it ever again. So essentially, Stripe is 100% a scamming service.I mean just read the amount of negative reviews here. That should say it all. If you are a small business owner like myself, I HIGHLY suggest avoiding using Stripe’s garbage service at all costs. Use Square. It is a better application and service in every way, shape and form. Hands down.

      1
      • Organization Name: Alpha Cyber Systems

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      Yan Hazan

      Organization Name: HCH HOUSTON CORPORATE HOUSING

      Scam company, would not recommend using them, lost way too much money fro their deal with the devil, if you have a business know that stripe not only not defending you they take money from your account and transfer it to scammers – scammers can just go to their bank say they never used your service and thats it they get their money back – i dont want to name other companies so you think im promoting someone but others will defend you.i have provided hard evidence including contracts invoices ID SSN you name it, always they find some excuse of ripping you offThey tell you every time they steal your money you can do things differently but you really cantjust think that the scammers bank decide who wins is that a joke or what

      1
      • Organization Name: HCH HOUSTON CORPORATE HOUSING

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      Jorge Sigala

      Organization Name: SIG

      HORRIBLE!!! Payouts don’t transfer when they should. IF anyone that purchases anything using STRIPE files a dispute, it doesn’t matter if you turn over ALL THE EVIDENCE they ask for. YOU WILL LOSE ALL DISPUTES!!! It’s like they don’t care what evidence you submit, your money is gone. I submitted shipping/tracking info with pictures along with email screenshots of the “customer” that ordered merchandise and STILL LOST a dispute. I no longer use STRIPE. They are horrible. DO NOT RECOMMEND!!!

      1
      • Organization Name: SIG

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      D Dillt

      Organization Name: Global Weather

      Everything was fine the first 10 days with sales coming in. But then it happened. They did not forward the first payout from sales as promised. I waited and emailed on day 20 .requesting my payout . In about 16 hours we received an email saying our account has been cancelled. I emailed 10 times and they said that what we sell makes us a high risk for refunds. They admitted we had no requests for refunds.They profiled our business and deemed it a risk – so they froze all our assets which is around $5000 in sales during a 10 day period. We asked for our money but they will not do a payout – keeping our money.They said Our type of media sales is a high risk. We sell climate forecasts based on scientifically proven natural cycles . It is appareythey want to censor our salesman

      1
      • Organization Name: Global Weather

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      Kevin

      We have been using Stripe for several months now, the account was actually opened a year ago. Everything was fine until a couple days ago we received an email saying they will terminate our account and give us 5 days to remove their payment gateway from our website. They said we are high risk and thus have to make that decision. I told them our dispute rate is only 0.7% out of 500+ payments which is way below industry standard. Then they said our industry is high risk. I asked them why accepted our application if you think our industry is high risk? Why are there merchants out there in the same industry using Stripe? Is there a double standard? They kept saying that same bs and said it’s out of their control and they could not do anything. There is not one reason that makes sense why this happened, they could not even show us what their standard is and tell us something that makes sense. What’s worse is they are holding our funds for 90 days. And all these happen without a good reason. My advice to all of you, especially startup companies is to stay away from Stripe! What happens to me could happen to you too. We are no startup company and I could imagine the situation could be worse if we are. And I am not even mentioning their declined payments rate which is very high. I have more than a few customers trying to pay with Stripe but got their cards declined for no reason. They contacted their banks and were told their cards were ok. Then they checked out with PayPal and paid successfully. We actually hire developers to handle their declined payments to make sure we won’t lose the sales but now all that money and effort are wasted.

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        Rob

        Stripe is the worst! I’ve used both Stripe and PayPal – both suck; but PayPal comes out on top. I received payment from my client 2 weeks ago and I still haven’t received my funds.

        1

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          Natalie

          Organization Name: Markets for Makers

          Terrible customer service. They don’t really care about your business. Their process for disputed charges is bad and they charge you an arm and a leg even if you’re a big customer. They told me ” Stripe isn’t the best fit for every business”, so if you want to go with them, make sure you’re a business that doesn’t mind fines and bad customer service where they literally don’t care about you as a customer.

          1
          • Organization Name: Markets for Makers

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          Sandi

          Organization Name: Tronix

          Well, I left my positive review WAY too early. Just days after leaving a positive review, I received an email stating that they would no longer like to do business with me and are holding the entire amount received in my account for 90 days opening refunds and disputes. I shipped ALL orders and have not been paid for ANY. I will be contacting the Federal Department of Securities and Banking as well as the Attorney General. I am not required, by law, to ship any items before being paid, although I have done so and ended up with $0 for all items sold. Stripe did not offer any explanation other than my business being high risk. Although none of my items I sell fall under any of their high risk categories in their terms. It’s their general excuse used for hundreds probably thousands of merchants they do this to.I’ve also noticed one order that they allowed to go through was placed by a customer that attempted to use 3 different cards, 3 different addresses, 3 different states. When I noticed this, I cancelled the order and refunded the final card used. I am so annoyed that Stripe processed the payments, promised to payout, and did not. This is unfair and illegal.

          1
          • Organization Name: Tronix

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          Samantha

          Did you ever recieve your money?? I’m going through the same issue right now and thinking about taking legal action.

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            Stevie Clemons

            Organization Name: Fatmonkeynetwork

            I’m going through the same thing. They are telling me I have to wait until they do a update to retrieve my funds and that won’t be until October!!!!! Don’t do any business with Mighty Network because they do business with Stripe and it is not in the best interest of Mighty Network clients.

            • Organization Name: Fatmonkeynetwork

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            Bolanle Olowookere

            Hi. Can I ask if this was rectified? I am now having the same problem and as of yesterday I have been locked out of my account and said they need to call to verify my account etc but as they have locked me out- I am unable to contact them.

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              Sandi

              Organization Name: Tronix Warehouse

              So far so good. Waiting on my payouts. Weird thing is my first payout was supposed to be 1/30/18, then on 1/30/18 it changed to 1/31/18, and on 1/31/18 it changed to 2/1/18, its not 2/1/18 and its been pushed out yet another day. Just wondering if I am ever going to get the payout. I have a good amount in there, already shipped the items and most of are delivered for the earlier orders, and now…Ive never been paid for them. I sent emails to Stripe but haven’t received a reply yet. I’m just concerned why the date keeps getting pushed out. I can see waiting 7 days for the payment to payout, but after that is just way too long to wait.

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              • Organization Name: Tronix Warehouse

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              Maria

              “Like any other third-party processor, Stripe does include a provision that it can terminate your account or implement a hold if it deems your business an unacceptable risk”.

              Ok, so both Paypal and Stripe do this kind of thing.

              “If you prize stability over anything else in a processor, Stripe isn’t a good choice for you.”

              In that case, may I ask what other options there are? Is there a processor that doesnt automatically freezes an account at even the slightest suspicion?

              I want to sell digital art commissions and I don’t want to deal with my earnings being frozen. Where can I find stability? Is there a processor on this planet who offers stability as well?

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                Melissa Johnson

                Hi, Maria!

                There are two kinds of processors available: payment service providers (PSPs, also known as third-party processors or aggregators) or merchant service providers (MSPs). PSPs include Stripe, Square, and PayPal, and they all work pretty similarly: flat, transparent rates, no long term contracts, and minimal other fees, if any. But the tradeoff is stability. In my experience, a lot of merchants don’t understand just how easily an account can be terminated when they sign up, which is why we see such huge backlash against these companies. The reality is those terminations are still only a small number of accounts compared to overall user base, but it is a lot more than you’ll see with an MSP.

                MSPs, or merchant account providers, like Helcim or CDG Commerce, typically only terminate an account for serious red flags. But it’s a much more involved process to get set up with an account and you usually have to be doing several thousand dollars a month in card transactions to make it worthwhile. There’s always tradeoffs in this industry — it’s unfortunately just the nature of the business. Stability for convenience is the big one.

                So — yes, there are providers that offer great stability. They just can be a bit more involved to work with and it might take you some time before you’re doing enough business to justify the cost of an account. However, you can get an account with a PSP and build up a solid business history and be just fine. Not /everyone/ has their account terminated. Lots of merchants don’t, but they do tend to be a little bit quieter than people who’ve had problems.

                I know lots of artists, have worked with artists, and I am part of a large artist seller community. A lot of them stand by Square. It has the same stability limitations, but it has free invoicing, a free mobile app, a free virtual terminal, and even a free online store. There’s no chargeback fees, or any other sort of fees beyond processing. I also know some artists who prefer PayPal. It has comparable pricing and most of the same capabilities, plus others that Square doesn’t. Another option to look at, depending on how your business works, would be Payline Mobile. You get an actual merchant account, though you’ll need to generate a certain amount in fees each month. (Again, tradeoffs.)

                I know some artists have used Stripe for their business, but I don’t know of too many. I just don’t think it’s the right solution for that particular industry.

                The trick is to understand what constitutes a red flag and do what you can to mitigate that risk, which can prevent holds or terminations and keep your account stable. Here’s some tips to start:

                – Providing customers with really, really, really good contract that includes what happens for returns, refunds, revision requests, missed deadlines, etc.
                – Invoicing. Again, this goes into the contract. But getting everything written and laid out and signed/agreed to in advance will help protect you in disputes.
                – Choosing clients carefully. Make sure they understand what the process is like and what’s expected of them and what your turnaround is. (This is true for any freelancer!)
                – Providing a website with contact information, and regularly checking your correspondence (this can help reduce chargebacks if people have questions and need to reach out).
                – Starting small and gradually working your way up to multiple high-cost projects. Doing a couple $20 commissions, then taking on a sudden $1,000 commission, is going to trigger a red flag the same way it would with any business that had a sudden spike in volume. Consistency is key.

                For a couple more resources on really easy things you can do to mitigate risk, we’ve got a couple of articles to help:

                The Cutthroat Business of Chargebacks
                How to Avoid Merchant Account Holds, Freezes, and Terminations

                I hope that answers your question and gives you a good starting place!

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                  Maria

                  Thank you very very much for your reply. I appreciate your help. Now, regarding what you wrote:

                  “MSPs, or merchant account providers, like Helcim or CDG Commerce, typically only terminate an account for serious red flags. But it’s a much more involved process to get set up with an account and you usually have to be doing several thousand dollars a month”

                  OMG, thousands of dollars?? There’s no way I’ll ever make that much in a month with my art commissions (its would be nice to make that much but yeah….I don’t think it will happen). So, I guess, I can’t have a MSP.

                  I’ve heard of Square but never tried it. Maybe I’ll give it a try to see how it goes.

                  Now, I have another 2 questions regarding the tips you gave me at the end (if you don’t mind, sorry for bothering you so much).
                  1. Choosing clients carefully. Ok, I understand this, but I’m not sure about one thing. My art is drawn predominantly in anime/manga style. I’m sure we all know that teens are more interested in anime/manga than adults. So, my questions is, should I accept minors as my customers? or should I only accept adults ? Problem is, if I accept only adults, I might not get many customers since adults who like anime/manga style are harder to find. On the other side, if I accept minors as well…how am I supposed to make them sign contracts? if something bad happens, a minor can’t be held accountable, as far as I know, right?
                  I thought about a startegy but I’m not sure if it would work. I can ask the minor to get his/her parent’s signature on the contract, to prove that he/she’s commissioning me with their parent’s permission.Would this work?

                  2. Consistency is key. Ok, I understand that from $20 to thousands would be ridiculous and suspicious. However, I may not keep my commissions always open. I mean, for exemple, I may open commissions for a few months, and then, when I think I got enough, I may close it to take a break (like during holidays). Now, if those processors see that I got money during the last months, then I suddenly stopped getting any, and after some time (when I open commissions again), I start getting money again….would that be suspicious to them? would this be a reason to freeze my account?
                  Another things is, there no way for me to predict how many customers I’ll get/month. Maybe this month, I’m lucky and get 10 customers (which means I get more money), but maybe next month, I will only get 3(which means I get less). So, I can’t be perfectly consistent every month since I can’t guarantee how many customers I’ll get.

                    This comment refers to an earlier version of this review and may be outdated.

                    Melissa Johnson

                    Hi, Maria!

                    I would recommend talking to other artists who are working with anime/manga/video game source materials and see what their experiences are working with teens. I assure you there are plenty of adults who love nerdy art. It’s also possible to sell prints, not just individual commissions, which will lessen the risk. I suggest finding a community and talking to others who are already working in the field you want to and see what they have to say about commissioning and clients.

                    Second: Obviously it’s hard to keep income totally steady every week, every month, etc. Almost every business has some seasonal fluctuation. But my point was more that you should strive to get some steady business going, with consistent rates, instead of doing a few small transactions and then taking on a very large project. That kind of behavior is a common trigger that causes a lot of grief for merchants. Depending on how you structure your business, you might require an up-front deposit for a commission and for X% the amount to be funded X weeks before the commission is due, and the remainder on delivery. That can help you keep regular income flowing rather than taking in a bunch of cash at once and then nothing for months.

                    I strongly encourage you to connect with some other artists to talk about how they run their business and what they’ve learned, so you can see what would work best for you. I think it’ll be a spectacular resource for you.

                    Good luck!

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                      Thomas M.

                      Stripe is literally one of the worst companies that I have ever worked with.For a small business, there is no reason to use Stripe. We have had constant problems – wasting many hours and taking significant losses that we ultimately just had to write off.Amazingly, a key part of Stripe’s business model is to avoid having any way for clients to contact them. They will take actions such as imposing holds or taking money directly from your account without any explanation whatsoever. If you try to get answers from customer service via e-mail – you are most likely to get either no response at all or just receive irrelevant form e-mails.Stripe does not provide a phone contact for its clients. It is literally impossible to reach them if you have a problem. Unless you are a very large company, they often will not even bother to respond to you at all.Everything about the way Stripe’s arrangements with small businesses is stacked against the client. Moreover (and this really cannot be stressed enough), they will be perfectly happy to hijack your payments and refuse to tell you why or even communicate with you. Their preferred approach is to just ignore you and wait you out.I 100% regret ever getting involved with Stripe. Unless they are doing something special for you from a tech development perspective, there are better options out there for just about every size business .

                      1

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                        Jamie West

                        This may or may not be the platform to leave this feedback, however I have left similar feedback across a number of alternative platforms. Stripe is a service that is horrible and occupied by lazy and lackadaisical staff who are certainly not supportive nor are customer orientated. We had charges against payments received and charges against refunds of the same payments.Stripe tell us it takes so many days for the funds to be released into your acount because its the banks fault.When we’ve asked to speak to customer support, they emaila resply asking for justification and reasoning as to why you want to speak with them and then thats as far as it goes. In fact I lie, Stripe send another blanket response that actually deosnt address our concerns or answer our questions. Stripe make you rewrite e-mails because they loose track of the original dialogie, all time consuming and frustrating from our end.Stripe will also tell you to re-write an email sent from your secure in app appplication now from your website login, although the question was as basic as what are charge rates on refunbds. Their response being ” I’m afraid I can’t go into account specifics like payout times because it looks like you didn’t write in from your Stripe computer Dashboard. Can you do me a favor and log in to your Dashboard, and then submit your request through there. I know this is a bit of an extra step, but we ask this for your account’s security, so none of your account information falls into the wrong hands. This is a standard procedure for everyone involved with Stripe, so their data stays safe and secure. I’ve attached a link where you can log in below:”SERIOULSY … FFS!!!!!Yet just another tactic to cause delay and frustration?They hide behind a marage of self loathing and appointed blame to another organisations such as banks when in fact they are causing the problems from their end.Essentially, security protocol is definitely not at the forefront of their business whilst taking on avererage 8- 12 days to transfer payments into a sellers account proves to be the norm. The Stripe “e-mail team” ( I refrain from calling them customer support, albeit I do have other names to call that department however I shall hold myself to a higher standard.) they dont seem to know there arse from their elbow when it comes to addressing, answering and resolving problems that they cause, with their best response being take your business else where. This related to a simple question regarding transaction fees being high, overcharged and any refunds, you still pay a transaction fee. Never the less, Stripe are horrible, the service is shabby at best and security is near to non existant.So my point being, I am extremely busy as we all are, would i take the time out of my day to qrite such an honest yet scathing e-mail if i truly wasnt experiencing such horrible service.Stay away from Stripe!

                        1

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                          Sure Footwear

                          Stripe Stole money from me 5 months after I stoped doing business with them !!! They supposedly lost a claim 5 months later from an order I originally canceled. They stole the funds from my account!! After already taking the funds from the order!! THEY ARE Thieves!!!

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                            Deanna Power

                            Organization Name: Victor Forward

                            We took down our online store spring last year. Didn’t think about cancelling with them because we took any means of online purchases away. There has been no activity since March 2017. Now we had two deposits in our bank account (one in Jan and one in Feb). Also in Feb we see a withdrawal since a person is disputed the charge as they should be because they couldn’t even buy from us. However the amount that went in is different than the amount that went out and this person has never bought from us. No help what so ever from Stripe but did say we should have deactivated our account. People have no way of buying on us online!!! Clearly since nothing has happened since March 2017 which I took down the online store. This is illegal and fraud. Has anyone reported to the FBI on here?

                            1
                            • Organization Name: Victor Forward

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                            Marcus

                            Simply said, avoid Stripe and go for other options.We had almost the same experience as Jehanzaib had, Stripe just informed with an e-mail that they will close our account in 5 days due to “pseudo pharmaceuticals”. We have done legitimate business with nutritional supplements for over 20 years and have never faced anything like this.We have sent five separate e-mails to Stripe and they never even responded what we have done wrong, but only closed our account.What a bad experience with this company, probably the worst we have ever experienced with any company. We have provided Stripe a one star out of five, but would have provide Stripe zero stars, if that would have been the option here.

                            1

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                              Archie Peters

                              DON’T USE STRIPE! NON-EXISTENT SUPPORT!

                              A simple query I had where a customer was charged the wrong currency – 2 weeks later and no reply from the email – which is the ONLY point of contact. No phone number, no chat line.

                              If I had a serious problem, I would be pulling my hair out.

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                                Earl Rodgers

                                We purchased a new business. And the web service we used had stripe as a preferred credit card company. So we decided to try and use it. WHAT a nightmare! We have been asked to verify a dozen times, there is no way to get hold of support services or accounting, Strip has continually change our deposit dates. Guest have used our cabins, checked out and have been very satisfied. And Stripe is still holding our funds in their account and won’t deposit them to our account. When you log into stripes dashboard to check the funds, deposits are always a different date. If anyone knows where to go, or how to press charges against this ghost company, I would love to know. Hardships and headaches are all the comes from using Strip services.

                                1

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                                  Opel

                                  Agree with all of the comments. We too were deemed a “High Risk” business, funds held, major glitches. Our jewelry was deemed psychically related because of the descriptions. When we said we would take the descriptions out they stated that it was commonly known that crystals and stones were of a psychic nature. Not worth your time! No phone numbers to call and no resolution The reviewer should revise her article!

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                                    Mining Systems

                                    Avoid Stripe, work with other more reputable credit card merchants! After having an issue using Braintree that randomly decided our business of selling computers was too “high risk” for them even after we completed all the documentation and screening explaining exactly what our business does and the volume of sales… they were happy to enroll us and then closed our account after receiving a $2,000 order and freezing the money for 140 days. So we decide to move on to Stripe, we provide all of our business details, explain exactly what we do and what our business is about. We are approved and an account is created within a matter of minutes. Couple days later receive a large online order for around $8,000 which passed through their Radar risk detection system without any flags of fraud etc… because our account is fairly new we have to wait 7 days before the money will be transferred to our business account to begin processing the customers order…. with 2 days left until the money is transferred we randomly receive an email notifying us that our account will be closed because it was determined to be “high risk” and the funds will have to be held for 90 days before it will be released! We therefore have to notify our customer that we will be unable to process there order since we will not ship out a computer system without having the funds and probably lost that customer now because of this. We refunded the customer and luckily was about to walk away from this experience with only 1 customer effected and multiple orders were not tied up. We are now enrolling with our banks merchant services who are partnered with Authorize.net that has customer service and a way to contact them directly. We should have listened to others reviews on here about Stripe.

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                                      Danielle

                                      This company is horrible. We are a small web development company in Florida, and they cancelled our account claiming it was “high risk” and categorized us as a multi-level marketing. Which we are not in any way shape or form. This is just very frustrating. They have NO support except through email, and they still all seem like canned responses. Don’t waste your time and energy setting this up for them to just shut you down.

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                                        nikki fann

                                        I am a seller with Ioffer.com I had a customer purchase about $5000 worth computers and Stripe returned the money to customers for the claim of unauthorized transactions, I clearly proved that the customer purchased the items but stripe did what they wanted. The customer never returned the computers and they made the first claim while they were purchasing another set of computers. The items were delivered by Fedex and the transaction was approved for the address to which the items were sent. These people are insane .

                                        1

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                                          EGAL

                                          i look your store, its well designed so what you use as an alternative of stripe now.thanks

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                                            STEVE WOHNSEN

                                            After first transaction the rest are 2 days… I call bullshit! This company sucks….. no phone number to call and the email well no sense in that 5 days still no reply after 10 emails…..Funds not transferred yet pending 5 days and still nothing. Jobs on hold do to this……………. I’m pissed my client is pissed….

                                            1

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                                              Sandi

                                              Did you finally get your payouts? I am going through the same issue.

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                                                Reda El Kasraoui

                                                The Worst Credit Card Processing ever, they blocked My 2 Stripe Accounts for no reason at all and the reason why? Nothing (your account balance will be placed on reserve for the next 90 days,) actually they don’t have any reason to do that, i have 0 disputes, and 0 risky payments because of their RADAR feature which is useless if they handle the risk and get your account blocked after that lol.i don’t recommend you guys to risk your business with those guys until if you want your earnings get blocked for 90 days.

                                                1

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                                                  W H Noles

                                                  I have utilised ‘STRIPE’ due to the collection of credit card payments via ‘WAVE’ and it has been a debacle!!!

                                                  For months now I have not been able to receive the thousands of dollars in credit card payment into my bank account! For the multiple emails sent between ‘STRIPE’, ‘WAVE’ and my bank the issue still has not been resolved!

                                                  With no phone contact and the ability to talk to someone has been a bane; though for this company to hold onto my funds, earn interest and not make the payment has been exceedingly underhanded and purely unprofessional.

                                                  There is no way in the world that I would recommend this organization to handle anyone’s finances!

                                                  Look else where and be careful!!!

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                                                    Izhar UL HAQ

                                                    Disaster, they are money suckers. Holding payments for lack of staff to look into problems, damaging our businesses to become millionaires. I am going to make sure to wipe these crooks out of market. I would not recommend them at all. I have stopped their freaky service from my website. Oh my God! How can they be in money related business.FCS, how can they grant them licence to be in the market? Financial.ombudman not taking any notice? Well I shall let my solicitors deal with these crooks. They Do not deserve even a single star.

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                                                      Maria Muniz

                                                      This company has taken my business as a joke i have an e mail saying that they can no longer do business with us giving me 5 days to run charges while we migrate into another merchant, now they withholding the money i charge these 2 weeks and keep changing the date i doubt they need the money but i sure do as a small startup business they are ramming my business into the ground by not releasing our money and playing with the date please direct me to someone that can help me get my money or the little they are going to give me back while they steal the rest… !!! ALERT DO NOT DO BUSINESS WITH THEM THEM THEY APPROVED YOUR COMPANY TO HOLD ON TO YOUR MONEY FOR NO APPARENT REASON WARNING!!!

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                                                        Heidi

                                                        My experience with Stripe has been terrible, along with the lack of customer service via email (no phone). I’ve been trying to transfer funds into my bank account and they refuse to allow my funds to transfer while taking out small fees. I wish I had read the reviews prior to using it, but it was a feature offered by Squarespace.com so I thought I could trust it with purchase transactions. NOPE. 👎 So I’ve been trying to refund the funds, which includes another fee to be withdrawn, and Stripe is still holding onto the money. This is unethical, those funds do not belong to them, and now I’ve lost money due to a corrupt system.

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                                                          Ashley

                                                          I am having the exact same issue right now. Did you end up receiving your funds ???

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                                                            David Crook

                                                            Forget STRIPE for processing your card transactions. Any company that will not provide a telephone to actually speak with an agent must have only employees scared to let you know they do not speak clearly or understand your conversation. After keeping my transaction for 10 days, I now have to have my customer stop payment on the transaction and I now wait days for the money to be back in his account before I can be PAID again.I was using PayPal, and realize now the change to STRIPE was a terrible MISTAKE.

                                                            1

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                                                              Sergey Shushunov

                                                              I have to admit that as bad as paypal is, stripe is even worse. At least after digging around for 30 minutes paypal would give a phone number as allow to place a call to discuss a problem. No such luck with stripe. My problems were several back to back claims of unauthorized transactions after orders were shipped. It looks to me that stripe fraud prevention filters don’t work.I am switching now to regular credit card processing company. I can’t deal with this incompetence and greed, which is the only way to describe stripe.

                                                              1

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                                                                Mary

                                                                Stripe is probably one of the worst companies out there. They take 24hr or sometimes never respond back to emailes regarding issues from unsuccessful payments made by customers, I have lost about 6-10 customers since January because of failed payments. They are currently holding $2500 of my money because someone else used a fake card. I did all the work for the “customer” and I provided all the evidence to stripe but they yet are taking their sweet time. I was advised the investigation time is 2-3 months?! It’s absolutly ridiculous. I would give them a better review if the past 3 months haven’t been this horrible. I would also be writing a review if this public complaint would get an response because clearly my emails aren’t.

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                                                                  Stripe Sucks

                                                                  STRIPE SUCKS PERIOD! The truth of about stripe is that they are the biggest con artists around. This is what happens when you sign up with stripe. First you sign up they tell you that you will get your funds in 2 days. Then 2 hours later you’ll get another email saying some BS statement that they are now going to hold your funds 7 days plus. Stripe allows non verified credit card billing addresses to go through and there’s nothing you can do about it. So Stripe promotes fraud, and they give you the run around left and right. They will close your account if your considered high risk to them. If you sell electronics or something that is in the category of high risk, your shut down immediately with no reason. They will give you the BS around around, they will tell you the funds will be available on Day x and when Day x comes around they play games and move the date another 24 hours every single time. You cant refund anyone and they will steal the funds. If the do this to you, and you get a chargeback contact your Attorney Generals Office immediately, the fact is your under no legal obligation to ship any products to anyone until the money is physically in your possession. If you get a chargeback because Stripe or anybody holding funds, its their responsibility because they are the ones that caused the chargeback, so sue them!

                                                                  1

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                                                                    John

                                                                    HORRIBLE CUSTOMER SERVICE. First of all their technology for login doesn’t always work. Text messages to verify account are never sent and if you send it too many times they lock you out for the day. There is no phone support. There is also no email support. This is another classic example of a tech company offering horrible customer service because they don’t want to be inconvenienced by the people who keep them in business. They missed the most important rule of business… love you customer.

                                                                    1

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                                                                      Luciano

                                                                      Stay Way they are just like PayPal or Worst. You better stick to Australian Banks or a Australian Gateway Payment company based in Australia Stripe is a US company who has offices in Sydney they do have a ABN number in Australia and you can however file a case on the Financial Ombudsman Services against them just like you do against PayPal if they freeze your funds illegally. 4 Stars ???????? lol Can’t really trust on a company who has absolutely no customer service at all not even a phone number. I can’t believe how stupid I was when I decide to use this company on my website.They will freeze your funds just like PayPal for no concrete reason illegally and in a predatory way. Our company was just 3 months old and we were doing good sales as Parallel importers out no where and against their terms we were forced to provided authorization for selling the goods we are selling. Now I ask when do Stripe has any authority to ask us to do that ? There’s nothing in their terms and I did check that because moving from PayPal this was my main issue. Perhaps they don’t know the Australian Government policy was developed to allow parallel importation, so brands could not get away with huge price discrepancies between markets, and therefore consumers could enjoy prices comparable with overseas markets.Is completely unacceptable when they are not the trademark owner and when we have a clear disclaimer in place saying we are no authorize and we follow the ACCC guidelines of Parallel importation providing all warranty and support ourselves. We are in the process of closing our account and I am alerting anyone who uses this company to move way as quickly as possible.

                                                                      1

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                                                                        Alexander

                                                                        I have an online clothing store and I recently made the switch from PayPal to Stripe and so far I haven’t been impressed. In fact, this company is going to bankrupt mine if I continue to do business with them. Stripe accepts fraudulent payments, transfers it into your account, and then takes the money back plus a $15 fee, and will no longer assist you with the chargeback. An item was purchased from fraudulently and I shipped out immediately, now a week later their automatically deducting the funds out of my bank account even though I provided them tracking numbers and evidence. Now I’m out the product, they money, and a $15 fee just for doing business with Stripe. They absolutely do nothing to assist, they have no customer service dept, and emailing them is joke. Scammers are now targeting Stripe and they have no fraud prevention, so they make the companies pay for their mistakes. PayPal doesn’t charge its sellers $15 for its mistakes.

                                                                        1

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                                                                          Aaron Beard

                                                                          I have to say that I have always been impressed with Stripe. I am a vacation rental property manager and I only connected to them through my software merchant (and get a 1.8% rate by virtue of that relationship…although I am processing over $100k/month with them so maybe I could negotiate per the comment in this review). I have had zero issues with holds (again, I choose to process transfers on a semi-monthly basis so at any given time I have $30-50K in the account and so I would never actually know that I am being subjected to a hold). I have had one fraudulent transaction in three years and (in hindsight) I totally boffo’d the transaction verification and did nothing in any way to justify/verify the validity of the payee (who was not my named guest) so when it popped up I just figured I would eat it…but Stripe (I learned then and now understand more completely) automatically went to bat with the consumer’s credit card co and I won! Again, I wish there were phone service, but even with the ongoing dispute, they were fantastically responsive to email and even guided me to ways I could prevent future fraud. As for those that say they prefer PayPal, I was one (of many in my industry) to have that mafia-style company lock down nearly $30k and refuse to release it for nearly 6 months. It was total BS, especially since the majority of the funds were from AirBNB (like they need the protection of an intermediate escrow agent…). It all ended up well (routed most of the $’s back to AirBNB, but closed the loop on about $4k on accident and that sat in their nasty clutches for 178 days…but I am gonna get paid in the class action settlement…).

                                                                          5

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                                                                            Belle

                                                                            Paypal is worth the 1% more, unless you like a conpany who takes money out of your account at their own disgression. It does not make sense that my Stripe account was disabled on 10/4/16 and I still had funds being taken from my bank account on 10/11/16. No one answered my question as to how this happened when according to Stripe the account is disabled. Customer service is basically Non existent at best.

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                                                                              Batterman's Auction LLC

                                                                              We added Stripe as a payment system to enhance our corporate website to enable sales. We are extremely dissatisfied with their service. Out of the 3 purchases via Stripe; 2 have been disputed by the cardholder as unauthorized use of their card and potential fraudulent use of their card. The transactions were originally approved/received. Our bank account was funded.
                                                                              A few weeks later, a charge back was authorized and payment to our bank account was reversed (after the product was shipped). We filed all the required documentation to prove funds were received at our end, we provided delivery addresses where the product was sent, proof of payment(s) approved and received. Proof that the products sold were shipped and delivered to card holder. Only to be informed that the case(s) were close based on the cardholder/customer’s bank deciding that the transaction was in fact valid, and that the dispute case is now closed and the decision final.
                                                                              We are left without the product(s) and without payment(s) – Most upsetting of all, we have not been given the courtesy of an explanation as to why the bank has decided in favour of the cardholder and not honored the initial approval of payment(s) to our company’s bank account.
                                                                              In our opinion, Stripe is not an effective payment solution for business’ due to the lack of transparency regarding information passed to and from cardholder’s financial institution and us. The transactions completed via Stripe have caused significant financial losses to our business; as a result, we have removed Stripe as a payment option from our website.

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                                                                                Katie Manning

                                                                                Accounts manager at PureLocal.com.auWe love Stripe.

                                                                                5

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                                                                                  Amy Lemmermann

                                                                                  We have had the EXACT same issue. Waiting for months for dispute resolution that were very clear that we would win.
                                                                                  Very frustrating
                                                                                  I strongly suggest using a different merchant. which we are looking for now

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                                                                                    Ken Holiday

                                                                                    They have held my money for a month. Tomorrow I go to the BBB and will write Squarespace to drop them as a partner, or I will take all my Squarespace site down.

                                                                                    1

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                                                                                      Joanne Trybulski

                                                                                      I am very dissatisfied with this company. They don’t handle their mistakes very well. Save yourself a headache and don’t use their services. You will deal with them only through email and you will receive a response from several different people.My problem is with a refund they gave and the customer has the product. They told me to just recharge them. How do I recharge the customer when they say they did not get a refund.

                                                                                      1

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                                                                                        Isabel

                                                                                        Thank you so much for this review – it sucks that I’m not the only one who has experienced trauma from Stripe – but at least it confirms I’m not the crazy one. I had an event with Stripe back in March in which a customer was charged 47 times for a $29 product. Stripe sent me an automated email saying, effectively, “We noticed a suspiciously repeated transaction and we stopped it. Nothing further is required from you.” So I ignored the problem for most of the day until I had time to log in and look at it. When I did, the automated email was wrong, every one of the 47 charges had gone through and only stopped when it overdrew the customer’s account as far as his bank would allow. Not knowing where the glitch was, I frantically contacted my customer and the customer services of all integrations the transaction touched. All except Stripe went above and beyond, dug deep and finally agreed that it was actually a bug on the customer’s computer. Lame, but in all of those insanely stressful hours, Stripe only responded to say, “Sorry, that couldn’t have been on our end.” Which is clearly wrong – there is no way any but that first transaction should have been processed (they were each 1-2 seconds apart) and why did that auto-email tell me it had, in fact, stopped them? That’s a great algorithm there. Apparently this was not a problem for Stripe. My primary upset is not even that every one of those charges went through – this is technology and s happens. What I am still pissed about is their total lack of regard for the ENTIRE situation. After I smoothed things over with my customer, initiating the refunds, and providing him with tons of free product to rectify the s-show, I finally wrote Stripe a furious email detailing every point at which they mis-informed me of what the problem was, how they had “dealt” with it, and then mistakenly washed their hands of the whole thing. Their response was (paraphrased), “Whoops, you’re right we should have handled that better. We’re a young company still figuring this out. Please tell us how we could do a better job.” Are you f-ing kidding me? I swore I would never use them again and told them so – but aside from paypal they are the only integration available to me for my membership plugin. So, I have been trying to screw up my courage to go back to them . . . but I don’t think I can do it. ARGH!

                                                                                        1

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                                                                                          shambo

                                                                                          I have been using Stripe for my online Shopify site. Two weeks ago, Shopify stopped paying out the money my customers were giving them. They gave no notice – and no explanation. Two weeks of constant online chats and emails provided no answers. Shopify said it was Stripes fault. Stripe said it was Shopify. After initiating legal action to get back the $52000 from Shopify, they suddenly ‘found’ the 52K. Apparently Stripe had frozen my account for ‘review’ without informing me and without admitting they had done so. We had done nothing wrong. This sort of action could break a small business (and nearly did.) I will not be using either of them again.

                                                                                          1

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                                                                                            Ariel

                                                                                            Since I can’t give negative stars… Shopify uses Stripe. Just as with Stripe, one can’t actually speak to anyone in Shopify payments — ever. You’ll be lucky if you ever get an email reply. If you get an email from a Shopify “Risk Analyst”, don’t bother replying. They pay absolutely no attention to anything you write.Anyway, we’ve only just started using Shopify, and accepted the ‘one-shop’/ everything done for us ‘thing’, which means Stripe is the cc processor. We’ve only sold a few, low $$ figure items, which customers received and Shopify (or Stripe, rather) paid out. We’ve had no customer disputes, no chargebacks. ‘Out of the blue’, we received a message that our payments processing has been suspended. (Fortunately, we’ve nothing to be paid out.) Absurdly, however, Shopify’s ‘red box’ warning on our account says that customers can still shop, purchase items, and that we can still fulfil orders. (?????) They maintain that ‘account reviews come up at various times, for various reasons’, but won’t provide us with answers to any questions — no matter how many times we ask, or how many ways we ask. And of course, we can’t speak with anyone. (If this sounds like a Shopify review, it’s only necessary to include Shopify for context purposes. Shopify uses Stripe.)So we get emails stating that their ‘bank’ (STRIPE!) wants additional information. (Why now? Why not before allowing us to get started?). It began with copy of photo i.d. (But wait, they requested this once before, and we sent it. Where’s it floating around?). So we send in photo idea. Nothing happens for over a week. We then get a message stating that they’re going to need more documentation. Send in EIN information. (But wait, we already provided this. Where has that disappeared to.) So, we again provide our EIN information. Another waster week goes by. We’re then asked for EIN information (yet again), and the names and information of our suppliers, along with ‘X’ number of invoices from our suppliers. (We ‘flip out’, remind them that we’ve already sent the same information multiple times, but that we consider our suppliers to be proprietary — i.e., none of their bloody business.) Keep in mind, we’ve already had ‘pay outs’ for the few products that we sold, and have no pending payouts; have had no customer disputes or chargebacks. We’re new, and have done everything by the book. The biggest thing that we’re “guilty of” up to this point is tweaking the appearance of our website. We certainly haven’t changed anything else.More time goes by… we’ve lost track of the days of this freeze, as we’re quickly trying to move platforms and find a decent merchant services provider… today, (obviously ignoring everything we’ve emailed, uploaded… whatever else was asked of us… we receive an email requesting our EIN (yet again!) and manufacturer/ supplier invoices for the items that we have already sold (and been paid out for, as we’ve no pending payouts). What is wrong with these people??!! Sure, let our customers continue to shop, let us fulfil their oders, and Stripe/Shopify will keep the money (this is the note on our account) “until the situation gets resolved”. Why not open our own ‘charity’ and have a sort of ‘wish foundation’ where we just pay for whatever a customer wants, send it to them, and ‘donate the proceeds’ to Stripe and Shopify? At least that would be the upfront way of explaining to people what is really going on. We can’t even begin to fathom this Stripe/ Shopify nonsense. All we can do, with clear-headed thinking, is to agree with every review here that warns people to RUN (very fast) from anything to do with STRIPE. Just don’t use Stripe or a platform that uses Stripe. And I suppose it’s easy to offer the lowest transaction fees than the rest of the competition when your keep your merchants’ funds… from what I read, for ridiculous periods of time, or (worse) in a few cases written about on this forum, permanently. Our sympathies to those who have been ripped off by STRIPE. (We’re not happy about our ‘payment freeze’, or that we haven’t done much in the way of sales, but I suppose that we’re fortunate that we have nothing for STRIPE to keep.)

                                                                                            1

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                                                                                              G Bachurewicz

                                                                                              For the money you charge you should have instant phone support I will advise everyone I know not to use you people nor will I use your services and advise everyone not to use GO DADDY if you get my money and have the necessary means to give it to me giving you the bank and routing # and you not putting it in there nor providing me a means of getting it you deserve a negative 10 stars PEOPLE DO NOT USE STRIPE

                                                                                              1

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                                                                                                G N Gray

                                                                                                My rating is less than 1 star. I have sent almost 20 emails to Support@Stripe.Com. I have sent about 8 emails to Complaints@Stripe.Com. NO A SINGLE RESPONSE EXCEPT THEY WILL WORK ON IT WHEN THEY HAVE TIME. The Complaints email which is listed on the website is not an active email – they all come back. YOU CAN NOT FIND A SINGLE PHONE NUMBER. They are holding over $12,000 from June 17th and keep moving the expected transfer date every other day now it is set for July 5th. I know they will move it again. They have not even had the courtesy to tell me they don’t have enough money to make a transfer in their general account or that they have decided to not move the money. Are they broke and spending our money to run their business?
                                                                                                TAKE MY WORD FOR IT – THEY DO NOT RESPOND TO AN EMAIL IF THEY ARE HOLDING YOUR MONEY. I even asked that they send a copy of my email to the CFO COO and several other dept heads, which I had names from Linkedin. These people did not respond back either.
                                                                                                They did do our first several transfers perfect until they had more money in our account.
                                                                                                the two things they are known for is “NO COMMUNICATION” AND “HOLDING YOU MONEY”. just read the other reviews. If anyone finds a phone number please publish it for all of us.

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                                                                                                  Rodger Barnes

                                                                                                  They do not use phone numbers for contact the only way that they respond is e-mail

                                                                                                  5

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                                                                                                    Helen

                                                                                                    You may find Stripe’s address and phone number on the Better Business Bureau website. They are based in San Francisco, CA.

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                                                                                                      Ash

                                                                                                      Did you get the money?!

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                                                                                                        Connie Barnes

                                                                                                        The service is non existent – there is no one I can actually talk to. They say how great their service is and then send a bunch of links – customer service is about actually providing the customer with some service, right?

                                                                                                        1

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                                                                                                          Mark

                                                                                                          Terrible, terrible, terrible. Many chargebacks all on the same day, apparently at the end of October 2015. The matter has only very recently come to light in the past several days some 7+ months later and stripe are now saying I owe them well over £1,000.

                                                                                                          They called me to sort the matter out but everytime I tried to give an answer to a question I was interrupted over and over and over again to the point the discussion became obselete. Thoroughly exasperated in the end with ‘Percy’ constantly interrupting me (I couldn’t get a word in edgeways) I hung up the phone in disgust.

                                                                                                          Next step, delete the Stripe account and look for another service provider who take good customer service a little more seriously.

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                                                                                                            AudioBuy NL

                                                                                                            How does Stripe have 4.5 stars?They have no fraud protection or seller protection = bankrupcy.

                                                                                                            1

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                                                                                                              Ric Dunn

                                                                                                              If there was a way to give this company munis five stars I would.. This company is a rip-off in many way they stolen $75 from me just think if there were 100 or 1000 I guess there so rich they don’t care. Listen to me and the other reviews DO NOT USE THIS CARD SERVICE.

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                                                                                                                Daniel Garza

                                                                                                                I cannot believe what has happened because of this merchant called “Stripe”.
                                                                                                                I sold a Gucci ‘1973’ Diamante Handbag for $1200. Marginal profit made…. and additional fees paid.
                                                                                                                The Merchant sent me a fraud dispute from the card holder regarding this purchase from back in Dec of 2015. This is April 16, 2016. A little over 4 months ago and this doesn’t even seem strange to the merchant or credit card bank. I have a FedEx tracking number signed from the card holder name and address. However, they said the purchase was made from Denmark. I told them yes….okay…. maybe they were on Christmas vacation and ordered this bag to his wife at home. If this purchase was made from out of town and the amount is over $300.00 USD you would expect a trigger to prevent them from buying. I use my credit card and always receive a message even here in the U.S. if a purchase is big. Also, why would a card holder not notice a charge for $1200….
                                                                                                                4 months ago? I don’t know… but this is the 1st time I had to deal with this type of situation where my merchant cannot help me…. cannot provide a voice for me…. cannot provide me with a phone number so I can speak to someone….nothing. Instead, they offered me a dashboard to see the history of the charge. They offered me ” I am sorry for this inconvenience”. Okay… your sorry…but why can you not provide me with a telephone number so I can speak to a person? Why did you take the money out of my account so quickly without investigating? Why I say sorry I provide something that would exhibit that word of condolence. I dealt with PayPal, Authorize.net and both of them always advocate and solve the issue pronto! Something does not seem right and I am looking at giving this to my attorney to solve.

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                                                                                                                  Lisa

                                                                                                                  Hi! I have had similar issues with Stripe. Did you ever pursue through an attorney? I am working on that now but wondered how you handled it. They are saying we owe them money while they investigate disputes thanks to their non-existent fraud protection.

                                                                                                                  1

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                                                                                                                    Kenneth Conrad

                                                                                                                    RUN FOR YOUR LIFE! Worst Customer Service ever, NO thats wrong there isn’t any customer service they hold your money ransom!

                                                                                                                    1

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                                                                                                                      gerry

                                                                                                                      Very poor company. I had researched various commerce sites to host my new business and settled on Shopify. After reviewing the cost of the credit processing for my high risk business, I regretfully signed up for stripe since shopify does not put a 2% additional charge on stripe. Everything was going fine until I processed more than 10 orders in a day. That was where things became a nightmare. Stripe sent me an email stating that I needed to send them all my manufacturer’s approvals before they can continue processing again with them and stated their terms and conditions. So I sent them over 150 manufacturer’s letters that they requested. Next day I was sent an email that stated. Thank you for providing us the information we requested unfortunately since you did not send us what we required. We regret to inform you that we turned off your account and will be happy to point you to another processor.

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                                                                                                                        Nicole

                                                                                                                        If i could give 0 stars i would, absolutely no customer service, no phone, they only deal with email and it’s them emailing you as they try to debit your bank for every charge under the sun without your permission. When you send and email to settle a problem they never reply. They don’t securely manage the credit transactions when someone purchases from your website so when a fraud occurs you are out of the money for the product and they try to make you pay the credit card company back oh they also charge you when the dispute of course does not go in the businesses favor. I think they are a scam and are linked to the debt collection agency True Accord. Beware of both companies your small business will suffer.

                                                                                                                        1

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                                                                                                                          Mike Villacis

                                                                                                                          Awful! No business phone. They held my money for 90 days and closed my account! Fraud! Do not do business with these ppl!

                                                                                                                          1

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                                                                                                                            Agustin

                                                                                                                            I have lost two disputes with STRIPE. I know it´s nothing but their legal processes are deficient. I had all the evidence regarding my disputes. One of the clients who presented a dispute even wrote me an email saying that it had been her mistake. This is the answer that I receive from Stripe: “If you refuse to cover the cost of this dispute, you are violating our Terms of Service. I’ve included a link to this below. It does mention that we have the right to debit funds to cover Chargeback fees. Feel free to take a look at the following link: https://stripe.com/mx/terms#impugnar-sus-contra-cargos

                                                                                                                            2

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                                                                                                                              NICHOLAS STELLA

                                                                                                                              THIS SERVICE IS AWFUL, THEY HAVE NO PHONE SUPPORT AND DO NOT CARE ABOUT YOU! USE BRAINTREE! 🙂

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                                                                                                                                Heather Varden

                                                                                                                                Stripe is just a money laundering company nothing else. They stole my client money and they reply my client but not me, that;s a main reason they didn’t have phone support, don’t rely your business at downfall don’t every trust them really hate this company.They are liar and they stole your clients money thats simple never do any business with stripe.Stripe is a scammer and fraudulent company

                                                                                                                                1

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                                                                                                                                  J Kim

                                                                                                                                  Simply Rip Off service with sugar coated brand.Been with their service and it was more harm than good – unhappy consumers due to their poor customer support, reject payment without appropriate reason, NO buyer/seller protection, always preferable to the credit card companies in terms of dispute.Never recommend STRIPE to any e-commerce businesses again.Their system simply can’t cope with the frauds.That’s why it’s simple.

                                                                                                                                  1

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                                                                                                                                    John

                                                                                                                                    Having been recommended to use Stripe by my ISP, I am now at a loss to understand the negative reviews. I badly need e-commerce to survive in a very competitive market. Surely to be expanding at such a rate they cannot be so bad. Help!!

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                                                                                                                                      Heather Varden

                                                                                                                                      Never use stripe at all its just a scamming payment gateway nothing else they stole all my clients money even not they are refunding and when i tried to contact them they are just not replying since 1 month, really frustrated all my clients and us ! IF you want to lose the business then do select stripe

                                                                                                                                      1

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                                                                                                                                        Ammar Bhutta

                                                                                                                                        This is the same case with me. Its over half month but they are not replying. I gave my credit card information by they are not activating my account nor they are sending me the pending balance.

                                                                                                                                        1

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                                                                                                                                          Kevin

                                                                                                                                          Hi there, i need help with a problem. I signed up using http://www.stripe.com and i ended up selling a bunch of things online. I ended up accumulating $650 with stripe. It showed that they would transfer money to my account within 7 days and then i ended up spending my own money to ship my customers product. Then they decided to refunded half of my orders without any explanation and when I try to contact there support team they ignore me. I have tried everything possible to get them to help me or explain the reason for not giving me my money and refunding half of my orders that I already had shipped out. Fast forward to today its been over a month and i message them every single day. They still continue to ignore me and i don’t know how to go about this issue. I really need that money. I consider this Fraud or theft as they will not communicate with me and give me any reasoning of whats going on. Any advice?

                                                                                                                                          1

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                                                                                                                                            Tori

                                                                                                                                            My heart goes out to everyone here. We are in the same boat with stripe. Here’s my story:We made the switch from Chase Bank Merchant (which we had for about 8 years) to Stripe around June 2015 simply because Stripes rates can’t be beat.Everything *was* EXCELLENT at first….THEN …Our problems began a few month ago. **ONE** dishonest buyer placed 2 orders in one month then consecutively filed chargebacks on both. We fought both chargebacks to the fullest extent but the end result was us being on a THREE-MONTH-AND-COUNTING 7-TO-10-DAY-FUNDS-HOLD “punishment”. (We are still on thepunishment at this very moment. The last chargeback was 9-1-15… today is 12-19-15)(Let me state that we are a wholesale business. Our average order is around $1,500 – $3,500. Due to the hold, it is now confusing as all hell to properly operate our business because the funds shown in our accounts are not anywhere near accurate. Try figuring out how much Christmas Inventory you should order when theres thousands upon thousands upon thousands of dollars discrepancy in your bank acct!!!)—-HERE’S THE KICKER…—–We wrote to Stripe NUMEROUS TIMES, Stripes response was basically “YOU ARE DOING EVERYTHING POSSIBLE TO PREVENT FRAUD. HOWEVER, ***FRAUD CANNOT BE FULLY PREVENTED****”…So if fraud CANT BE PREVENTED, why are we being so punished??? It hurts bad enough to lose our money, our inventory, employee pay, shipping costs, etc BUT to also be indefinitely punished with inability to access our rightfully earned funds is AWFUL. ….and this is all because of ONE dude…LITERALLY 1 dishonest asshole can severally disrupt a decade-old-business. And even IF you pay for insurance – its void if the parcel is marked as “Delivered”Even IF you pay for Signature Confirmation – its void when the buyer says “I didn’t sign that!”So, as a seller, you can do everything right and still lose. In fact, we CURRENTLY have a Pay Pal dispute filed against us for a “Delivered” and “Signature Confirm” parcel; the lady claims it wasn’t delivered to her and she didn’t sign for it so we should refund her $2600 for a boatload of gift sets. We are absolutely HONEST, hardworking sellers who have built our business from the ground up. We have worked 7-days a week for the past 9.5 years and now we are questioning everything. If fraud is so simple, the odds are stacked against us. What is the solution? One thing that ISN’T the solution is Stripe.

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                                                                                                                                              Hiro

                                                                                                                                              We use this company for our eCommerce website.One of your customers has disputed a $2,860.00 charge with his credit card company.We provided all the order information including shipping detail and proof of deliverybut it didnt get resolved and they dont tell us the reason. Its a fraud.They dont help us at all and provide any phone customer service.We will have to talk to our bank and lawyer now. What a waste of my time and energy !!

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                                                                                                                                                Paul

                                                                                                                                                This is Stripe , you cannot avoid these chargebacks from happening.Simple as that.Use Paypal or a payment provider with buyer/seller protection.

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                                                                                                                                                  Scott Rogers

                                                                                                                                                  Stripe is unfortunately ruining my life my business, my employees, and Christmas for their kids.

                                                                                                                                                  We have been running various websites for many years and have always used traditional merchant accounts. Unfortunately, we run many websites, and with traditional merchant accounts the processors want an account for each site and business. When you have 15 sites, having 15 merchant accounts in nearly impossible to manage and we found ourselves creating more problems trying to manage each one vs finding a processor like stripe that we could create sub accounts or something of the sort and be up and running with each new website we launched in hours or less. We were finally making progress and excited to begin using stripe. Money was flowing, deposits were coming, orders were being shipped, chargebacks were low and next to nothing. Refunds, were only our own transactions that we were testing our sites with.

                                                                                                                                                  Things were good as all stories start out in the beginning. Unfortunately that lasted just a short while. We began to slowly receive notifications for each account one by one over time with each notification having different reasons. None of this made sense to us, we were shipping orders, refunds were low, sites were doing good, chargebacks were next to nothing, and everything was in place. The relationship should be perfect match and fit.

                                                                                                                                                  Recently as each account was being shut down, they were starting to place holds, change deposits to 7 days, then no deposits, and a constant loop of scheduling transfers that never happened. You can’t reach them, explain, discuss, or anything. I have managed to get some email responses here and there with very little information flowing, we are left with no choice but to share our story and hopefully avoid this happening to others.

                                                                                                                                                  We now have around $15,000 tied up with stripe. That is a lot of money, and we are 9 days away from Christmas, we have employees to pay this week, they have Christmas to buy for their kids, travels to see family, all to be destroyed over Stripe and their lack of willingness to work with their supporters. I was a big fan, loved their concept and ease to do business. I was like in my head, saying Finally a company that gets it and if for the small businesses out there. I love Stripe.

                                                                                                                                                  That is all being erased with the stress and frustrations they have caused on our business and our personal lives. We need our cash flow and rely on it to operate. They never inquired to see if our orders were fulfilled, customers happy, or anything just shut us down with no information or reasons that we could maybe provide documents, information to satisfy their concerns. While I realize businesses like theirs have to manage risk, I respect that, but did they reach out, inquire, or anything? NO. Worst of all, CHRISTMAS IS RUINED for many!

                                                                                                                                                  I also realize there is lots of fraud out there, they have to take preventative measures, but don’t hurt the good guys, or penalize the ones who run a legitimate operation.
                                                                                                                                                  As we are respected in our industry already which is internet marketing, It is not difficult to prove that a company who by procedure does not communicate by telephone with people, and has more negative press than a presidential nominee already ( as we learned in doing diligence on this issue ) is engaged in unreasonable business practices and unfairness to its clients. We will show this. Sorry your “Hands are tied”. We were hoping for a more favorable response as my concern is for the survival of our small business and my staff and their families.

                                                                                                                                                  This is December 16th today. We will not be able to pay our employees for Christmas without our money. We have been effectively shut down by Stripes actions. Our business will be entirely shut down until we can reapply, open new merchant accounts and go through the painstaking process of integrating the new processors etc to our websites. Stripe didn’t provide a shred of evidence of chargebacks, or what risk level they speak of. Please define how you qualify “Higher than normal risk”. Because form the outside, it looks like you are using MY employee’s paychecks, to fund their company. However; we can absolutely prove we have shipped and continue to ship products. We can absolutely prove any chargebacks or disputes are handled by our accounting staff, we can absolutely prove that the level or “risk” you assess, is probably not based on anything specific to our industry or actual performance.

                                                                                                                                                  Stay clear of Stripe if you want to avoid things like the above, shame on me for taking a chance with a company that does not provide phone support or publish a phone number at all.

                                                                                                                                                  Scott Rogers
                                                                                                                                                  Sellaru

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                                                                                                                                                    Petersons and Associates

                                                                                                                                                    Hands down, the absolute worst company to deal with. They are extremely unorganized and under staffed. They required me to do a verification of my site and I completed it. To no evail, they continue to ignore you. Furthermore, you will never speak with the same person about your issue. I have spoken with Tanner W, Neera Pearson, Silas Miller and Polly Gerrick. These people have the unmedigated gall to question he authenticity of my organization and they have no phone number. I’ve sent 6 emails in the past 3 days and have received no correspondence. So tell me who’s the scammer. I pray that my words resignate with all those who read my review…FINALD ANOTHER MERCHANT. A smart man learns from his own mistakes and a wise man learns from the mistakes of others. My attorney is in the process of reviewing the terms and conditions to see what can be done. But I will notify the world and we’re working on a news cover story for lack of communication with these merchants.

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                                                                                                                                                      Rodger Barnes

                                                                                                                                                      I agree I have the same probelum I have been sending emails for over 24 hours and still no response from stripe. My order shipping is on hold right now waiteing for money to be released from sripe. If i do not receive the money Monday i am going to have to issue refunds to my customers.

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                                                                                                                                                        Patrick

                                                                                                                                                        Stripe failed to verified my customer’s credit card information, which “apparently”, had been stolen. They processed everything, told us we were good to ship our products. We later received a disputed, no help from Stripe, lost the dispute even though we had everything correct on our end. And stripe did nothing to help.They are useless. If you can’t guarantee the safety of payments and information, you can’t run a payment company.DO NOT USE THEM

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                                                                                                                                                          SARA

                                                                                                                                                          Patrick.. are you the one that had a case involve with Morningstars Jewelers (us) Stripe stole from us $300 dollars saying that this is their fee and that they return everything to Patrick (the person that said that the credit card was stolen)..This company is a rip off and they need o be taken to court!

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                                                                                                                                                            AudioBuy Canada

                                                                                                                                                            Stripe.com definately are unique in their customer support. We shipped an item , weeks later “item not received chargeback” , we then give Stripe/NAB the tracking details showing delivered.Stripe.com then email us saying “sorry , you have lost this case”. Absolutely inexcusable . use Stripe.com at your own risk – be prepared to lose money to fraud , and to people who receive their order but want to manipualte the banking system to retrieve a refund also.It’s sad that any cardholder can use Stripe.com to buy online , receive their goods , then contact their bank with a chargeback and receive a refund very easily – because the bank will always side with their customer and they are the ones who decide the outcome – which is ridiculous. Stripe.com have chosen to participate and fall victim to this flawed system and as a result may never successfully compete with Paypal’s system (paypal disputes to prevent chargebacks).We have asked Stripe to offer seller protection but they have no interest in this , or perhaps just don’t care about their merchants/customers?Stripe.com seem to focus on their coding and ease of use whilst completely ignoring the most important aspect of any business – cashflow and protection against cashloss (online fraud).

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                                                                                                                                                              Kevin

                                                                                                                                                              Okay so I’ve been using stripe 2 years now.. And all of a sudden I was hit with 6 different fraudulent disputes through stripe. Most orders $2,000-3,000 each. So now I am in something like $16,000 in debit and they keep trying to charge my card and I do not have those funds. I sell aftermarket car parts for much larger companies, so that money has been sent up and products shipped out! They were zero help. No idea what to even do now. May lose the business. Thanks stripe!

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                                                                                                                                                                Logan

                                                                                                                                                                Horrible horrible HORRIBLE merchant protection. Almost no communication throughout the process. No phone, weeks for a email response and then you lose charge back even though you followed their terms in the first place. You’re better off throwing your money out the window then using stripe.

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                                                                                                                                                                  erick

                                                                                                                                                                  GARBAGE. No phone support. If you get a charge back, no COMMUNICATION. just submit your dispute and and you get no other responses, so basically if the person initiating the chargeback submits another piece of evidence you DONT get a reply. It’s a sham, they dont give to shits about merchants!!!!!

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                                                                                                                                                                    AudioBuy Canada

                                                                                                                                                                    Stripe cannot be used for international transactions – well it can , but you will end up with many , many chargebacks. Take my word for it.Currently – I am based in Australia and offer Stripe to Australians ONLY – All Stripe transactions we verify with phone calls and 1-2 other verifying methods before shipping any Stripe orders. This is because Stripe do not screen for fraud , and let all payments through – whether legitimate or 100% fraudulent. If you are using Stripe.com – process transactions in your own country and do NOT ship internationally. If you are shipping internationally , then accept Paypal and check the Paypal payment is “seller protected” – this method works well for us.When we first joined Stripe , within a few months the chargebacks/disputes starting rolling in. At that point we put methods in place to verify all Stripe payments and ONLY SHIP LOCALLY.Stripe have a long , long way to go to compete with Paypal’s buyer/seller protection. We look forward to this , their lack of phone support is inexcusable and is a testimony to the number of complaints they must receive (attempt to avoid by removing phone support).

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                                                                                                                                                                      philip

                                                                                                                                                                      Closed us down after 1 day.Cancelled a genuine transaction and left us to foot the bill.Avoid like the plague

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                                                                                                                                                                        Paul

                                                                                                                                                                        Ok , so Stripe.com – what is going on here?We have used Paypal for 5 years , not a single dime lost in disputed charges etc. We have Stripe.com for a significantly shorter time and within weeks of using them we receive “Disputes” for goods shipped with tracking. Then it was ok , and now recently disputes have arrived again.When Stripe email us about a “DISPUTE” – we respond with tracking details , at which point they take back all of the money + $25 dispute fee , and they keep all of the fees also?At this point it’s a waiting game and we’re told that our payment being returned to us is dependent UPON THE CARDHOLDER’S BANK?Excuse me if i’m wrong here , but surely the CARDHOLDER’S BANK is always going to favour their own customer which means you’ll lose out of pocket even when you’ve shipped the item with evidence provided etc.We received one dispute > provided evidence of shipment delivery >> STRIPE EMAIL US “YOU HAVE LOST THIS CASE”.We received another dispute > provided evidence of shipment delivery >> STRIPE EMAIL US “YOU HAVE LOST THIS CASE”.Is Stripe.com a company to be completely avoided or am I missing something here?

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                                                                                                                                                                          Logan

                                                                                                                                                                          Dude same thing just happened to me! What a sham! I’m going to get the word out about this. I’m thinking of taking them to court. Want to join me?

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                                                                                                                                                                            AudioBuy Canada

                                                                                                                                                                            It is in their terms and conditions , and credit card holders (and their banks) make the decision – this is the bank’s protocol. If you want to take Stripe to court over this , then you might as well take the entire banking system to court. It’s not going to happen.Stripe.com , however , are responding to the multitude of complaints and slowly working on providing phone support and a semblance of anti-fraud tools (similar to Paypal’s seller protection).

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                                                                                                                                                                              SARA

                                                                                                                                                                              We will like to take Storenvy and Stripe to court. We are sellers and someone bought $8,000 in our storenvy. After 3 days Stripe answer that we where ok with the payment and we should ship the item. Hours later we got a chargeback. We dispute becaus ethe amount of the chargeback had strorenvy and Stripe fees included and we wanted the fees back. Neither company has giving the fees back. Stripe is saying they are allowed to keep the fees.. This is $1,000 we are talking about they just stole from us

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                                                                                                                                                                                Paul

                                                                                                                                                                                This is why Stripe have concealed their phone number , if they disclosed their phone number and address – they would not be treating you like this.

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                                                                                                                                                                                  Blink Social Media

                                                                                                                                                                                  My Experience with StripeI have had a successful crowdfunding campaign with FundAnything.com. With 25 day left on a 90 day campaign, Stripe sends an email stating they are no longer processing our transactions and they are withholding funds to a “reserve account” rather than transferring them to our bank account. Their purpose was to reserve funds for any disputes and chargebacks. I explained to them in depth we are raising funds and our donors are contributing to assist financially with launching a culturally based social media app we are currently. They only revert back to their terms of service” placing blame in ‘”their bank”.I advise no one to use Stripe as a processor and if you are in business with a business that use them refrain from the transaction. I believe they use funds to assist in their business operations.Their actions are impeding our mission and have caused a major setback.Trice ColbertBlink Social Media

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                                                                                                                                                                                    Annie

                                                                                                                                                                                    Can anyone please tell me how to deactivate my Stripe account?

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                                                                                                                                                                                      Annie

                                                                                                                                                                                      OMG.. STRIPE STRIPE STRIPE…These guys say they have proven fraud protection, that they actively work to protect our businesses from fraudulent charges and monitor suspicious transactions BUT they are far from this.After having over 50% of my orders a charge back disputes, I ask many questions, I wondered what the hell is going on.In my stripe ordered disputes, much of the data information stated NULL, so i asked WHY.The answers I got were – “Put simply, AVS address checks do not exist in Australia. This is not an issue specific to Stripe — in fact, no Australian credit card processor can offer AVS checks for Australian customers. I do wish this weren’t the case, but in this case our hands are tied.”WHAT, are they saying? That no credit card is safe with online purchases? That no credit card is being verified?Stripe offer NO SUPPORT with fraudulent cases, non at all. If you think you are safe using Stripe as a merchant gateway, then you need to think again.The best way to protect yourself against fraud cases is to make sure you/your gate way merchant is signed up with 3D secure.Secure code means that the card owner requires adding their own pin number to every transaction, thus hopefully preventing or minimizing fraud transactions. Visit for more information – https://www.securepay.com.au/sign-up/ or something similar?I don’t know what else to say other than I give Stripe a 1 out of 10..

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                                                                                                                                                                                        Paul

                                                                                                                                                                                        Stripe.com don’t do any fraud checks , they don’t check CVV’s or do 3D secure.We have asked Stripe to do these basic fraud checks but we just receive scripted responses.We use 3 fraud tools (Fraudlabs,signifyd,etc) – they tell us its safe to ship an item – then Stripe emails us weeks later after delivery that it’s a dispute and we lose both the payment and goods.With Paypal , that would be covered – with Stripe , they reverse your payment even when it’s shipped with tracking – and they don’t seem to care? We can’t phone them , we haev a Paypal business manager , why does Stripe not offer phone support or offer us a business manager , do they care at all ?What are we doing wrong here , other commenters say Stripe is great and they don’t receive Disputes. We are experiencing something quite different.We email Stripe everyday asking for basic improvements , still waiting on this…Paypal’s seller protection is the way to go , is Stripe only for a large companies selling alot of cheap items who don’t mind being hit with disputes after delivery ?

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                                                                                                                                                                                          AudioShop

                                                                                                                                                                                          When will Stripe offer seller protection? We have used Paypal for years without any disputes where we’ve lost the good and payment.Using Stripe for a few months , we ship the item with tracking and end up with disputes.

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                                                                                                                                                                                            Annie

                                                                                                                                                                                            Hello Audio shop..Well my issue now is that even though we had all our CVC setting ENABLED etc, this does not mean it is compulsory for the card holder to add it.Therefore leaving us in an unsecured situation even though we think we are secured.Stripe are now asking me to fall back on Squarespace which I run my website through as they are saying this is there problem and not Stripes.So in saying this, you need to check that the CVC and post code setting is enabled and check with your web company.After all this I am out of pocket, no bank and no stripe..CVC should just be made COMPULSORY right!

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                                                                                                                                                                                              Richard

                                                                                                                                                                                              Stripe is integrated with our CRM platform. When it works, they are good. The API integration is good and their rates are much cheaper than Paypal.However, when asked to help with a Xero integration the wheels started to come off. They refuse to get on the phone and answer questions and make it incredibly difficult to contact them.They recently duplicated a pay out to our bank account. I tried to let them know, but could not reach any customer service team. I wanted to return the funds immediately, but instead they imposed a solution on us that has caused an accounting problem in out automated system. This refusal to communicate is not good when dealing with payment problems.

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                                                                                                                                                                                                JohnP

                                                                                                                                                                                                Had to post my experience with Stripe. They seemed like a perfect fit, full API integration including subscriptions, card storage, reoccurring charges, etc. We got everything up and running and even decided to bypass some of our own logic and use their back-end in many cases. Test, works great, develop, develop, develop. Ready to go live. Process one payment, great. Then get an email saying that the charge is unauthorized and they would not process our payments. I called the client and told him the situation. He said neither he nor his wife declined the charge. He drove to his bank to figure out what was going on. The bank said they didn’t do it either.Stripe decided they didn’t like the payment. Okay, we can get this resolved correct? No way, 5 attempts to reach them and no response. No chance to chat, no phone support. Run away small developers and startups or risk throwing away your small dev budget and not receive a reason as to why.

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                                                                                                                                                                                                  jasmine zhou

                                                                                                                                                                                                  i would give stripe negative star if i can.i’ve been doing ecommerce for 4 years now and have never encountered the type of seller abuse stripe enables. on one of our lesser performing platform Storenvy, stripe is their payment gateway, and in the past 3 months we’ve had easily 20% of our transactions be fraudulent purchases where even when you submit all the proofs stripe does nothing at all to fight for the seller, AND, on top of that, charges over $20 as a dispute fee. It has gotten so bad that we now have to do our own screening since unlike all other legitimate payment gateways have in place some type of anti fraud screening process, where as Stripe offers NONE, because all it actually profits off of seller’s misfortune whenever fraud occurs. We literally screen ourselves and don’t send out a good 20% of our orders due to fraud suspicion. IT’s truly the very worst payment gateway you can have for your business.

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                                                                                                                                                                                                    Vishal Kothari

                                                                                                                                                                                                    Re-posting this comment. Unsure why it was not approved earlier.My account was opened on 24th Jan 2015. It was very much operational until August 7, where I received funds in excess of 25K+ in those 8 months.Suddenly they decide to stop transferring funds (but they still keep accepting them). So they only close the outgoing, but still let incoming to be open so they earn.They want to see:- what you’re selling, and- how your customers might get in touch with you in case of any issues (having contact information is also a great way for you to avoid possible disputes!)How my customers get in touch with me in case of issues? Really? From a company who doesn’t offer phone support & who replies to emails once in 2 weeks?Very very bad service. It worked fine for 8 months & they suddenly want to verify what I am selling after 8 months! So lure people with easy setup, and then after a period of time, do the verification.I am now hoping for them to finish their review so I can get my funds. I have already disabled accepting payments on Stripe now. They are holding 5.5K of my funds for last 1.5 months now. Moving out from Stripe totally.

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                                                                                                                                                                                                      Vishal Kothari

                                                                                                                                                                                                      Update: I received an email from Stripe today that they have re-enabled my transfers & also that they have fully verified my account.

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                                                                                                                                                                                                        Chris Waiss

                                                                                                                                                                                                        I agree with the recent comments. They terminated their service as they advised our product was against their bank partners policy. They emailed and advised they would transfer our funds that have been already been accepted. Going on 2 weeks for that, and they won’t respond when we email about when the transfer will occur. They are holding nearly 25k in approved purchases… Next step is lawyers I guess. Stay away from Stripe. I didn’t realize no phone listed. If I did it would have been a red flag….

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                                                                                                                                                                                                          Rob C

                                                                                                                                                                                                          I’m giving 1 star because of how easy the setup was. I made 3 transactions. 2 were test transactions from my own debit card. The 2 transactions totaled $15. I waited the 7 days then the transfer from stripe to my account was made. Went just as described by stripe. I made 1 customer transaction for around $331 a few days later. The night I made that transaction I get an email from stripe saying that the first 2 transactions were made without consent from the card holder. I find that odd considering I’m the card holder. Long story short, they closed my account. They have been holding the 1 transaction that I made with an actual customer since 5/16/15. I’ve sent numerous emails with no response from stripe. I’ve been in business for a few years selling and installing auto glass. Most of my customers are body shops or small car lots so they either pay with check or cash. My business started to pick up with individuals so I needed a way to process credit cards. I came across stripe so I figured since I use Invoices by Wave I would take advantage of the intergration between the 2. Bad decision on my part. I’ve emailed, tweeted and I’m about to try smoke signals on account I can’t actually call them on those new things they call phones. Apparently phone based customer service are behind the times. I tweeted the CEO so hopefully I get an answer. Take the chance if you want but I would just stay away from stripe.

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                                                                                                                                                                                                            nathaniel zimmerman

                                                                                                                                                                                                            This shady company closed my account and is holding 26k with no communication whatsoever. To all who read this avoid this company.

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                                                                                                                                                                                                              Paul

                                                                                                                                                                                                              This 26k they received but didn’t settle to you , do they keep the 26k or refund the customers?

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                                                                                                                                                                                                                Stephen Smith

                                                                                                                                                                                                                It is just hype there is nothing special about Stripe except for the fact they dont have a phone number which is unusual for any business.

                                                                                                                                                                                                                Stripe rates are no different to any of the other providers, they are cheaper than Paypal but Paypal is an instantly recognisable brand to your customers and while many people hate Paypal there are many who dont and find it a secure way to make payments online.

                                                                                                                                                                                                                It appears that once your turning over a decent amount of money they actually open a merchant account with Wells Fargo and so if Wells Fargo dont like your business your Stripe account is shut down.

                                                                                                                                                                                                                I also find it strange they dont offer 3D secure as this is compulsory with most merchant accounts and without this the chances of fraud are much higher.

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                                                                                                                                                                                                                  AudioBuy In

                                                                                                                                                                                                                  yes , after many emails to Stripe – they still refuse to activate 3D secure and CVV checks.They use the NAB Bank of Australia here to process payments , we have called NAB bank and asked why Stripe do not offer 3D secure or check CVV codes. NAB Bank said that Stripe.com made a decision to delibarely DISABLE 3D SECURE AND CVV checks. Why on earth would they do this?This forum closely resembles our experience. Use Paypal for years and we don’t lose revenue on goods shipped , use Stripe for just a few months and the chargebacks/disputes start to roll in leading to loss of revenue. If you’re a small/medium sized business owner , I would be very wary about using Stripe.

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                                                                                                                                                                                                                    Annie

                                                                                                                                                                                                                    Yes I have learn’t A LOT in the last few weeks about Stripe.Unfortunately I use Squarespace to run my website and they are connected to Stripe.I am now looking and another commerce site such as Bigcommerce which offer a more robust site.Its a shame because Squarespace is a great site but Stripe will slowly bring them down.

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                                                                                                                                                                                                                      Ted

                                                                                                                                                                                                                      Stripe did not disclose the fact that there is no seller’s protection. We lost more than $3200 from a credit card fraud. Stripe did not take actions to protect us and just send us an email stating that they will withdraw the money from our account. This happens two weeks after we shipped out the product to the criminal. Even worse is that Stripe charges a transaction fee about $80 dollars on top of the money we lost. The customer service sucks too. There is no phone number to call. When I complain about the situation, the customer service simple just replied “Stripe isn’t the right fit for everyone “ . 6 months ago when we communicate with their customer services. We were never told that “Stripe isn’t the right fit for everyone “. When we asked them to compare the difference between Stripe and Paypal, they did not tell us there is no seller’s protection. With our sells volume, the fee is about the same as paypal except there is no reserve. Now we have to spend time to monitor all transactions and manually reject all the suspicious transactions. We will move to Paypal. Warning!!! If you really want to use Stripe, you would need to have the capability to filter out frauds, don’t count on Stripe.

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                                                                                                                                                                                                                        AudioBuy In

                                                                                                                                                                                                                        We use 3 fraud tools with BigCommerce , who mark orders as “SAFE TO SHIP” – even after this , Stripe still hits us with disputes.No phone support , scripted responses , nightmare – we are waiting on Stripe to up their game.In the interim we are posting on forums to learn more about Stripe and why they behave like this.

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                                                                                                                                                                                                                          Mark

                                                                                                                                                                                                                          I’m really surprised by all the negative ratings. Over the past year I’ve processed over 1800 orders on stripe, with only one charge back. And the one chargeback was my own fault.Integration was so much easier than PayPal or Google Checkout. I give my customers a choice of paying via PayPal or Stripe, and Stripe wins hands-down with my customers. They don’t have to leave my website, and they don’t have to click through a half dozen pages like PayPal. That makes my customers happy, and I have a lot fewer incomplete orders. I pay a little higher rate with Stripe versus PayPal, but it has been well worth the extra cost to make checkout simpler and easier for my customers.The one caveat I would mention, is that with the super-simple stripe.js it doesn’t seem to be possible to show the contents of a “shopping cart” on the payment screen to show customers what they are paying for. That said I did the integration a year ago, so maybe that has improved.Never had to call support, so I can’t speak to that. I guess I’m one the lucky ones.

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                                                                                                                                                                                                                            joe

                                                                                                                                                                                                                            if i could give them negative stars i would. this company has no form of contact only by email and they take days just to reply. we opened an account because we had no choice. it was the only option we had with godaddy’s online store. we have an adult toy shop and after just two months they emailed us saying they will no longer accept payments with us that we are in violation of their Terms of Service. we sell adult toys and bondage equipment. here are their terms” “Adult content and services Pornography and other obscene materials (including literature, imagery and other media); sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features “nothing on adult toys or bondage equipment. I emailed them and got the answer. there is no number to contact them. DO NOT DO BUSINESS with these a**holes!! use square or paypal.

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                                                                                                                                                                                                                              Michael Anthony

                                                                                                                                                                                                                              Stripe is a rip off company I would never do business with them again.This company won’t talk to you on the phone the only thing they good for is rip businesses off. Stay away from this company if you want to make money.

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                                                                                                                                                                                                                                Lane

                                                                                                                                                                                                                                This is the worst company ever. It balances on the edge of estortion. I opened an account with only because if was offered on Weebly. Which I have no problem with Weebly. Then after accepting my account, and I had my first charge through them, for $ 1500.00, they sent me an email saying, they could no longer do business with me, I was too much risky, and they were going to hold my money for 60 days. What bull*&&+. Oh, I am sure its in some terms and conditions somewhere, or in a fine print. But, this is absolutely crazy. If they are going to accept accounts, they should do their due diligence before they approve an account. Not wait until the account has money in it, then decide they don’t want you as a customer. I don’t have a problem if they don’t want me as a client. The problem is, check it our first, and then approve or don’t approve an account. Plus, wonder what happens to that money that sits for 60 days? Do we get interest on it? I would never do business with them again, EVER. Now, to settle my issue, I was lucky, the client is a good guy, and I told him, he said just refund the money, and he would pay me in another way. So, I did. Hope that works. For those of you without that option, I feel for you. Someone should stop this.

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                                                                                                                                                                                                                                  Rob C

                                                                                                                                                                                                                                  60 days? They did the same thing to me and it’s already been 120 days. What a ripoff.

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                                                                                                                                                                                                                                    Sean

                                                                                                                                                                                                                                    Consider yourself warned. I’m just here to echo the same experience as others. Using Freshbooks to invoice my customers my first payment went through after the 7 day waiting period. According to their website all future payments should take 2 days. I sent my second invoice and was sent an e-mail asking for additional information. A copy of my invoices, linkedin profile. I provided the information the same day and have heard nothing back 3 days later. The payment from my customer posted yet I have not received funds nor heard back from the stripe. Unacceptable to go silent on your customers like this, especially when your trying to run a business.

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                                                                                                                                                                                                                                      Melinda

                                                                                                                                                                                                                                      How can a company that hold your account information in their hands not have a customer service number. I was forced to use stripe since i have a storenvy acct. as of the 22nd i have not been able to log onto my acct nor have access to any funds. i have emailed them with no response. the fact that you dont have a customer service number means fraud to me. how do i know if the person calling me is really from STRIPE if they were to call. i am beyond upset that a company can even be in business without contact info. I love paypal but storenvy forced it upon their sellers to use this i feel they should be help responsible as well. being a small business this is a huge loss.

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                                                                                                                                                                                                                                        ger

                                                                                                                                                                                                                                        Can anyone tell me where to publish proof that I have which shows the true colors of Stripe and NOT in a good light …. the WORST decision I ever made was to move to Stripe… I processed over 100,000 in just 5 months – Not 1 chargeback, not 1 disputed and for no rhyme or justifiable reason – out of the blue .. I get this automated horrific email … VERY DISTURBING STUFF***********This is just a reminder that you will no longer be able to accept payments through Stripe beginning 2015-6-17.Once again, we are sorry that we can’t work with your business. If you feel you have received this message in error, please contact us right away by replying to this email.Yours,The Stripe team***********************SO ……… Akin to a beheading – AVOID THIS UNSCRUPULOUS company called STRIPE INC – you are 100% and I mean 100% wasting your time at Stripe … If there are more places like this, to alert the public of this ruthless organizations dodgy policies – please post it here. Thanks !

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                                                                                                                                                                                                                                          Caleb

                                                                                                                                                                                                                                          Stripe.js (the javascript library) is the coolest payment tool in the industry. Stripe.js is a browser side library that can be used on custom built forms, and then stripe.js sends the CC data to Stripe servers and returns a token, thus your servers are out of scope. I don’t know any other merchant provider that has anything like it, and helps remove our servers completely out of scope from PCI compliance.

                                                                                                                                                                                                                                          Sadly, Stripes reputation isn’t all too great; they don’t seem to care about their customers. Are there other MSPs that have something like Stripe.js?

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                                                                                                                                                                                                                                            Judy

                                                                                                                                                                                                                                            I’m so sorry to say I had a really disappointing experience with Stripe. It all started out so promising. In Ireland we love to support local young companies so I paid out of a contract with Elavon to move to Stripe. Thinking I’m supporting local and also Stripes process is so easy. I still think the simplistic process around Stripe is a breath of fresh air. The problem is that their customer service is dire. I needed a merchant ID number for a massive client that I was about to take on. Stripe do not provide MID’s- which is fine. I explained to them in depth what the minimal requirements of my client were but Stripe customer service ignored me over and over again. You are unable to contact Stripe by any other method other than e-mail. I tried everything, asking them what other customers of their’s did in this situation. Still got ignored. I’ve since moved to brain tree and am very happy with their service. Most important I could give my client our MID. Process 100 out of a 100 but unfortunately Customer service -100.

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                                                                                                                                                                                                                                              Ray

                                                                                                                                                                                                                                              Do not use Stripe if cashflow is important to your business. Your first payment takes at least 14 to 17 business days (not including weekends) to reach your bank account once Stripe has earned interest from your income. All future payments take at least nine business days to reach your bank account. Cashflow difficulties are the reason most small businesses fail. Stripe will only compound any challenges you may have.

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                                                                                                                                                                                                                                                Carolyn Usinger

                                                                                                                                                                                                                                                Transaction says it’s gone through – but there is no money. No response when we email customer support. Pretty useless service.

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                                                                                                                                                                                                                                                  Mark

                                                                                                                                                                                                                                                  DO NOT USE STRIPE If you have paid the slightest attention to all of the negative reviews, then the decision to partner with Stripe should be an obvious one. I too have had the SAME EXACT problem with Stripe.-Promises you that your account is active and ready to start accepting payments.-Begins transferring YOUR hard earned cash.-Suddenly sends you that automated email, saying “Unauthorized payments”.-No support, no response, and most importantly NO MONEY.- They don’t even refund the customers.So really where is our money really going if it damn sure isn’t going into my account, and not to our clients. A message to all future merchants who believe Stripe is reputable.STAY AWAY FROM STRIPE!!!!

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                                                                                                                                                                                                                                                    NZGIRLS

                                                                                                                                                                                                                                                    Very limited customer support and protection from fraudulent orders.

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                                                                                                                                                                                                                                                      Ewan

                                                                                                                                                                                                                                                      DO NOT USE STRIPE. They are still holding $900+ of our funds. No phone contact, all emails are being ignored. The complaint via Better Business Bureau got rejected because Stripe has literally written in their terms of use that they are allowed to shut down your account at anytime and seize your money.It proofs their company is a scam and they take your money. You can’t do anything about it because it’s in their terms.This company is a 100% FRAUD, DO NOT USE THEM!

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                                                                                                                                                                                                                                                        Guilhem Fabre

                                                                                                                                                                                                                                                        Same thing happened to us a month ago, holding $7k+. Did you at least receive your money at the end? Please answer

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                                                                                                                                                                                                                                                          Annie

                                                                                                                                                                                                                                                          No I didn’t..I eventually shut my account down.I am now looking at building a new website which I can incorporate my own merchant.Not a good time during Christmas season sales…I have lost sales because of this.. 🙁

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                                                                                                                                                                                                                                                            Philip B

                                                                                                                                                                                                                                                            When things run smoothly, people don’t go online and start leaving reviews. It’s only when there are problems. That’s what we have here and that’s why he’s not “stepping in on this”. My experience with Stripe has been great so far. I had a problem when I changed my username/email address. I misspelled it and then couldn’t log in because I didn’t know exactly how I misspelled it. I contacted Stripe via email on a holiday and they responded the very next day. We went back and forth for 4 days (most of this time we hadn’t even figured out yet that the misspelling was the issue) and they were very kind and responsive. They scheduled a time with me to have a phone call and to verify my identity. Then, they changed my username back to the proper spelling. They were very polite and understanding. They kept thanking ME for my patience. I’m the one that made a mistake and they’re apologizing to me for the inconvenience. They created a product that helps small businesses that are trying to build a customer base get started. These tiny businesses that don’t move large volumes of product can’t pay the membership fees or be held to minimums of transactions per month. I really appreciate Stripe and the opportunity they provide to small businesses like me while I grow. I was up and running within minutes of setting up my account and processed payments flawlessly. They’re customer service is very responsive and acts quickly to help. And there are many more using Stripe successfully than whats posted here. This was a good review.

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                                                                                                                                                                                                                                                              Krystle

                                                                                                                                                                                                                                                              Philip, I’m so glad you had a positive experience with Stripe. However, that seems to be the exception and not the norm. I understand what you’re saying about negative reviews being more widely available, however, there is a high concentration of negative reviews compared to other merchant services. Take ‘Beanstream’ for instance, there is not a lot of negative reviews (even their BBB report is fairly clean) and they’ve been in business longer than Stripe (therefore more chance for negative reviews) but I didn’t see half the “mess” that Stripe has and that’s why I switched. Stripe did reply to my concern 2 weeks after I emailed them multiple times and when I told the lady about the lack of customer service, she admitted it wasn’t the best and that they are working on adding phone support.

                                                                                                                                                                                                                                                              I appreciate your positive experience but I think our reviews are not so much about complaining but more to help other business owners. After all, we’re not talking about a negative movie review or bad restaurant, we’re talking about businesses who have lost thousands of dollars as well as customers and Stripe doesn’t even have the decency to respond. If this hasn’t happened to you, I can understand how it could be hard for you to appreciate the magnitude of the situation. But that’s a good thing so you should consider yourself one of the lucky ones.

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                                                                                                                                                                                                                                                                travis

                                                                                                                                                                                                                                                                Stripe is costing companies thousands of dollars by closing accounts and refunding charges without good reason, even if a customer questions a charge they automatically refund it, I have had my account closed and all my takings for the week refunded and they refuse to answer emails and I have submitted the orders, a customer I spoke said they rang the bank and asked about a charge and then realised what it was and that stripe just refunded the money without any written request by the customer to do so, now I Have to follow up all of the charges as soon as I get a new merchant DO NOT USE STRIPE

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                                                                                                                                                                                                                                                                  Brandy Jo

                                                                                                                                                                                                                                                                  Unfortunately I’ve come to the conclusion that using Stripe, has been the worst business decision I’ve made in a very long time. I have 4 different merchant accounts, each for different reasons and I was hoping to simplify things by using just one, and I had high expectations for stripe since that was the only company that Squarespace used. Wow, have I been disappointed. Most of us base our business off of stellar customer service and product. Stripe has neither. Emails go unanswered. Deposits (especially large ones) take days to deposit (although some days there are 2 deposits in one day)…makes me wonder, are they intentionally holding on to very large amounts of money to make more $$ themselves before letting go of it? After inconsistent deposits 4 weeks in a row… I’m out. They have cost our company thousands of dollars because of late deposits. Emails that need immediate attention continue to go unanswered. We’ve had a VERY BAD experience and they make our company look bad to our vendors and customers. Moving on……

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                                                                                                                                                                                                                                                                    Krystle

                                                                                                                                                                                                                                                                    Brandy Jo, I feel your pain. Judging from other reviews I’ve seen, I think you are lucky to have received your money at all. I know the deposits were late but some people did not even receive their money. Stripe was holding the money indefinitely without reason or explanation. And the worst part is, there is no way to get in touch with Stripe. There was one person who had $5,000 coming his way. He’d log into his account and see that $5,000 was supposed to be transferred to his bank account, but it never was. He tried to contact Stripe and of course they ignored him. Stripe basically stole his money and there was not much he coukd do. How can anyone run a business when Stripe holds onto money for as long as they want without any explanation. I have never seen a more unprofessional company and I hope other customers will see this and drop them as a merchant provider. Even if you are using Stripe today and don’t have any problems, that doesn’t mean you won’t have problems in the future. And when you do, there’ll be no way of resolving it because Stripe cannot be reached. For those out there who still want to go ahead and try Stripe, you could save yourself the trouble by opening your wallet and dumping it out the window (it’s faster and less painful than dealing with Stripe).

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                                                                                                                                                                                                                                                                      Aram Sahagian

                                                                                                                                                                                                                                                                      I am interested in setting up an e-commerce site. I’m glad I read these reviews. I would never do business with a company that doesn’t offer phone support. Especially with credit card payment processing. I’ve been very satisfied with Ebay/Paypal thus far. It seems the most common complaints against Stripe is withholding funds for extended periods of time, terminating accounts with the slightest risk factor, and lacking customer service. Maybe I don’t understand the credit card processing industry, but where I work are customers are our partners, and we work hard to resolve EVERY customer complaint. So I don’t understand how there are so many unresolved complaints present. It seems what is going on, if I had to guess, is that Stripe applies an automated protocol for assessing risk and terminating accounts, which ends up terminating good faith accounts along with the bad without investigation or appeal. I could be wrong with my assessment, but first impressions are everything, especially when it comes to processing transactions.

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                                                                                                                                                                                                                                                                        Chet Lockwood

                                                                                                                                                                                                                                                                        Stripe is a danger to your business. They fail to educate customers then let them get ripped off by fraudulent card users then give you NO assistance and allow you to loose thousands of dollars due to fraud when they could have easily recognized it before product was released. Stripe will not talk to you on the phone and all of the email responses are “canned boilerplate” .They do not protect their clients and then insult your intelligence by making you the bad guy. Stripe is BAD NEWS , stay way away from them – !

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                                                                                                                                                                                                                                                                          Krystle

                                                                                                                                                                                                                                                                          Wow, Tom has definitely been generous with his review of Stripe. A post on here from Bryan on Aug. 11, 2014 is BANG ON. That is the EXACT same situation I experienced (It happened 9 months after that review was written so obviously not much has changed). I recently started using Stripe and does the sentence “run for the hills” mean anything to you? Haha. But seriously, they have HORRIBLE customer service (a.k.a. non-existant). It’s not the fact that they don’t have a phone number, it’s that they are notorious for NEVER answering emails so there is ABSOLUTELY NO WAY OF GETTING IN TOUCH WITH THEM (and yes Tom, I tried Webchat.freenode and they said they will “move my concern forward” which of course never happened).If you search reviews online, it’s like you’re reading the same review over and over again (randomly shutting down accounts without reason (if there is one, they don’t tell you what it is or even try to resolve the issue). They don’t transfer money to your bank account (hold funds without reason or explanation), and best of all, they completely ignore you. Stripe appears to be a company started by 2 guys in their basement, and it looks like they’re still there. I have seen more professionalism from high school students. To say that Stripe works for some businesses is like saying “not all cancer is bad”. No matter which way you look at it, Stripe will never be beneficial to ANY business if they ignore you (their client). I think it’s important to remember, all valuable things in life have insurance (house insurance, car insurance, even life insurance)… why? In case something bad happens, you’re protected. Well, your business is just as valuable as your house or car so would you trust a company where if something goes wrong, there’s nobody to contact? You’re literally left out in the cold. It’s not worth the risk. That’s like falling asleep with a cigarette in your hand… you know how that story ends.

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                                                                                                                                                                                                                                                                            Adolf

                                                                                                                                                                                                                                                                            Hey guys does it sound like Stripe is trying to scam me?? I’ve made a business selling stuff online and at first I had make about $500-$800 monthly! but now I made $5,000 and stripe said they won’t transfer my funds to the bank because I need to update my website?? what? what does my website have to do with their business? anyway I decided to update it and said what they told me to do, but now they’re not replying to me… are they trying to scam me and take my money?

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                                                                                                                                                                                                                                                                              Angela

                                                                                                                                                                                                                                                                              If it was possible to rate Stripe zero for their support, I will do it. Terrible company.

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                                                                                                                                                                                                                                                                                Angela

                                                                                                                                                                                                                                                                                PLEASE DON’T USE STRIPE FOR YOUR BUSINESS!!!

                                                                                                                                                                                                                                                                                We set up our retail business offering golf items and accessories. After looking around, we decided to go with Stripe as our payment processor, against our better judgement. After spending over $2000 on Google Adwords, we started getting sales. We needed the money from the sales to continue fulfilling orders and Stripe put our account on hold, asking for ID documents, which we promptly supplied.
                                                                                                                                                                                                                                                                                When it was time to transfer money to our bank, after we have already shipped the first batch of orders, Stripe emails us to say that the credit card charges on our orders where unauthorised. And terminated our account with over $4000 worth of orders, waiting to be fulfilled, and already partially fulfilled.
                                                                                                                                                                                                                                                                                The funny thing is that we had ZERO disputes or chargebacks, but as has often being stated by other people, there is no way of being able to contact them, and they just ignore your emails.

                                                                                                                                                                                                                                                                                STAY AWAY FROM STRIPE!!! THEY WILL RUIN YOU

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                                                                                                                                                                                                                                                                                  Krystal

                                                                                                                                                                                                                                                                                  Looks like they got you too 🙁 The fact they can do this to people and for no valid reason is unbelievable. I sincerely hope the Merchant Maverick reconsiders such an artificially high ranking. They are certainly not even close to 5 stars. You cannot rate a provider this high when they have no customer support.
                                                                                                                                                                                                                                                                                  We had the same exact issue and I’m sorry to report, we had to go back to our customer and have them request a chargeback. That was Stripe’s suggestion after I went over 3 weeks with ZERO response from them and finally filed a BBB complaint. They offered no resolution, and kept saying there was nothing they could do. They wouldn’t even refund the money to the customer!! Instead, their only suggestion is to have the customer ask for their money back from their own credit card company. So I’m waiting for them to do that and while I wait, they get services for free. Thank goodness I know the person… otherwise I really don’t know what I’d do.
                                                                                                                                                                                                                                                                                  So warning to everyone, think twice about Stripe. If they work (and I mean, IFFFFFF) then I guess they could be good. But the second anything goes wrong, you’re screwed and you won’t know until it’s too late.

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                                                                                                                                                                                                                                                                                    Krystal

                                                                                                                                                                                                                                                                                    Tom,You must step in on this. The number of complaints here is ridiculous and for a reason. This is absolutely the worst experience I’ve had with trying to get rightfully due money and it’s scary how Stripe is able to do this!As a quick recap, my 4+ month issue started with customers signing up for our monthly via a computer terminal at an event. Stripe accepted payments and then distributed funds one time. Immediately after this, they then froze our account for no specific reason, simply a generic template.We had to request every customer switch their payment to PayPal (who has excellent customer service!! BTW), however during this, Stripe accepted a $500 payment from a new customer but then froze those funds. I emailed Stripe, we IM’d via the message board they say they are on (which they aren’t, we got a generic “we’ll escalate your issue”), however in 3 weeks of us reaching out, we only receive one response. ONE!! I ended up having to file a BBB complaint. They responded within 2 days of this complaint. In the complaint they explained they felt we had a fraudulent website and therefore didn’t meet their standards. This makes no sense, and they would not provide ANY other information so we could understand what we needed to change. All they said was for the customer to request a chargeback and then remit funds to us separately.I asked that customer to do this. Thankfully we know they were able to help us and be patient. But their bank (Bank of America) said because the charge was valid and they received the service, they will not do a chargeback.So overall, I’m out $500 and Stripe is holding the money. Please be aware of this if any of you are considering using them. They have absolutely no customer service. So god forbid you have an issue of any kind, you’re screwed.I know it’s only $500 but at this point, it’s the principle. I’ll continue to push forward and let everyone know how this goes here but I’m just saying, I switched over to PayPal Payflow and have had ZERO problems and excellent customer service. It’s been refreshing.Hope this helps some wandering soul…

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                                                                                                                                                                                                                                                                                      Vaibhav Dev Mendiratta

                                                                                                                                                                                                                                                                                      Recently i started my business with stripe but after getting 2 orders, stripe disable my transfer and its now over 72 hours stripe not respond me, i already emailed more than 50 times but no one help me, my charges are live but my transfer is disable and this is too much frustrating, Stripe said thay you have to follow his policies, but stripe is huge lier by itself. Stripe mention that we will help you within 24 hours, if not sooner. Now its over 72 hours and my issue is still unresolve.Now what you say about your review ?Is any company or international firm do that ?

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                                                                                                                                                                                                                                                                                        James howard

                                                                                                                                                                                                                                                                                        I have also just used Stripe, and I just got an order which I have shipped and the customer received the order. Now I find out that I can’t transfer the money from stripe to my bank account. I have also sent emails after emails and they have not reply once. Now I am out of the product and money spent and nothing received.

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                                                                                                                                                                                                                                                                                          Greg S

                                                                                                                                                                                                                                                                                          Tom: Recently I set up a store on Shopify and before I could get it to go live, they informed me that the default processing that went along with the set-up would not accept credit card processing as my industry is considered high risk. (vaping and nic juices, etc.) They pointed me to Stripe instead. Do you know if Stripe will accept “high risk?” Simultaneously, I had been getting an account set up with Payline Data and if I decide to go with Payline, (per your GREAT review of them), Shopify will charge an additional 2% for not using one of their affiliates. I am about to pull the trigger with Payline as their pricing comes in at 21.95/month, but Shoipfy states that if I use Stripe, there are no monthly fees, just the 2.9% + .30. Great review BTW. What do you suggest?

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                                                                                                                                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                                                                                                                                            Hi Greg,

                                                                                                                                                                                                                                                                                            Glad to help. I don’t know that Stripe would be a good option. I’m actually surprised that you were directed to Stripe, since technically Shopify Payments is run through Stripe. So if Shopify Payments wouldn’t set up the account, I think it’s unlikely that Stripe would. But if Shopify says this is the best course of action for your type of business, and that it can help you to avoid the 2% surcharge, then it’s probably your best bet. Please make sure to confirm that the 2% transaction fee surcharge will not apply with Stripe, because I thought that it would.

                                                                                                                                                                                                                                                                                            Paying an additional 2% is rough. But it might be your only option if you can’t get setup with Shopify Payments. The good news is that you can use basically any payment processor you want, you just have to make sure that the processor can work with a compatible payment gateway. (See a list here.) Note that the Payline gateway is actually not listed there.

                                                                                                                                                                                                                                                                                            And here’s another tricky part of your situation. It sounds like you will be processing a relatively low volume, which means that a third-party processor (like Stripe) will be the cheapest option since they usually don’t charge monthly fees. But, on the other hand, since your business type is considered high-risk you might have trouble finding a processor like this – and even if you do there is a chance that they will terminate your account after a couple of months.

                                                                                                                                                                                                                                                                                            So here’s where that leaves you. If you’d like to pursue the third-party processing option, check out Braintree. They are one of my favorites. Very similar to Stripe, but actually better in many ways.

                                                                                                                                                                                                                                                                                            Aside from that, I can tell you that Helcim and Payment Depot use default gateways compatible with Shopify. But I’m not sure if they will set up an account for your business type. For this reason, I don’t think that you should write off Payline. The 2% surcharge sucks, but if you want to use Shopify you may be forced to bear it.

                                                                                                                                                                                                                                                                                            So put Braintree, Helcim and Payment Depot on your shortlist, and see what Payline is willing to do for you gateway-wise. Payline is your best bet for approval.

                                                                                                                                                                                                                                                                                            Good luck, and let us know how it goes.

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                                                                                                                                                                                                                                                                                              Allen

                                                                                                                                                                                                                                                                                              Very bad experiance. I opened an account and started a monthly charge to a client of mine. -all worked fine. Stripe then deactivated my account becuase they needed some verification, I provided this verification and they reactivated my account. somewhere in the mix up the charge to my client does not show up associated to my account so now i cannot stop this payment, which this client is no longer using. so every month Stripe charges my client, credits my account then the client disputes it and stripe withdraws the amount with penalties. I have no way of stopping this transaction. there is no phone number on their site to call. and i joined their IRC chat and no one could figure out how to help. bottom line is i will have to close my business checking account so that they stop using it. this is crazy!!!! they need to offer some level of support or just close.

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                                                                                                                                                                                                                                                                                                Kojenwa

                                                                                                                                                                                                                                                                                                Recently my clients have paid my company and money has still not shown up in my account after several days after having used Stripe for almost a year. I can’t operate if they don’t send my funds and with no one to help serve my needs and no phone number, I am afraid I will have to switch my business elsewhere. I’m pretty livid, I do have to say.

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                                                                                                                                                                                                                                                                                                  Alex

                                                                                                                                                                                                                                                                                                  We had a very unpleasant experience with Stripe. A week after we chose to partner with them, we received an email accusing us of committing fraud. We barely ran 3 transactions for our guests and they chose to close our account. All this was on Valentine’s day weekend when we had many customers waiting to pay the invoices we issued. You can imagine how difficult it was lost to find alternative payment methods on a Friday.

                                                                                                                                                                                                                                                                                                  We offered to submit to Stripe any kind of document to resolve the issues, including for them to contact our customers and confirm the transactions. They replied 5 days later with a standard email. We will not continued to work with them and other companies should be advised of their unprofessional attitude.

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                                                                                                                                                                                                                                                                                                    James Walters

                                                                                                                                                                                                                                                                                                    No thank you. I was forced to sign up for Stripe as somehow a client was able to pay an invoice created via Wave Apps, by credit card. I never enabled credit card payments. Wave can’t do anything and Stripe is useless. I’m waiting 7 days to get my clients payment. Is the payment being routed via every continent on this earth? 7 days in todays world? Then, Stripe charged me an $11 fee on $400 sale. Stripe won’t accept responsibility sending me back to WAVE. I’ll use PayPal in the future.

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                                                                                                                                                                                                                                                                                                      John Riley

                                                                                                                                                                                                                                                                                                      I just switched my business over to Stripe. While I was with another gateway and merchant provider with a lower rate, the overall yearly and monthly costs from all the different parties meant Stripe was cheaper for my business.I setup my account in five minutes, and had everything up and running in about thirty minutes. Thus far, I’ve had no problem and have two day deposits to my bank account.As for some of the reports of terminated accounts, etc., they have based their business, like Google, on providing an excellent product for the MAJORITY of people, so that they don’t have to offer phone support. Their product is excellent, but is risk adverse. When you sign up, they pull a credit report and attempt to verify your information. If they can’t do that, and any of your transactions appear to be suspicious, they will terminate the account. It is more advantageous for them to not have a risky account on the books than to have some bad press.

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                                                                                                                                                                                                                                                                                                        jf

                                                                                                                                                                                                                                                                                                        I was recently forced into using Stripe for payment if I wanted to continue selling my merchandise on Storenvy. I was hesitant, but went ahead and signed up with them. I have had 2 sales with them in the last couple of weeks and still no payment in my bank account which it states the funds were transferred. I have tried contacting them thru their website, and no response. The only way you can contact them is email or their messaging system on their website. There is no phone number to contact a real person. So I just want to warn people before they have a bad experience like me. PayPal has worked great for me in the past, and I prefer to stick with them!

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                                                                                                                                                                                                                                                                                                          shelley

                                                                                                                                                                                                                                                                                                          Having same trouble. The stripe site is glitching, not letting me run charges and there is no way to get a hold of them. How do you NOT offer phone service…I am definitely looking for an alternative company…

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                                                                                                                                                                                                                                                                                                            Kris

                                                                                                                                                                                                                                                                                                            Terrible!!!!! They bundle all their transfers to your account every two days. We are a service company, when we make a transaction there is no reference to the customer. This means more time wasted. They do not have an offline version as well. NO customer support what so ever. Sorry but when it comes down to my bank account and money I want to call someone. They say ” we will get to you in 24hrs” that is a joke more like 3-4 days and then another 2-3 days to respond to your email. NEVER GET STRIPE.

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                                                                                                                                                                                                                                                                                                              Rob

                                                                                                                                                                                                                                                                                                              Tom, I have a couple of questions here. Do you see Stripe being a bit safer to use under a platform like shopify or amSTAT which is a fitness facility software that I will be using to organize my business? amSTAT uses Stripe directly linked to my amStat profile which makes charging clients and patients very organized, quick and easy.

                                                                                                                                                                                                                                                                                                              What are your thoughts regarding toptenreviews.com. I do not see braintree or stripe on their list. Is that site paid by those big dogs in the processing industry?

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                                                                                                                                                                                                                                                                                                                Tom DeSimone

                                                                                                                                                                                                                                                                                                                Hi Rob,

                                                                                                                                                                                                                                                                                                                Yes, Top Ten Reviews is essentially useless in terms of merchant services ratings. They charge steep fees to the providers they list, and the information they provide doesn’t really give an accurate picture of the landscape. Braintree and Stripe don’t offer lucrative referral programs, so Top Ten has no interest in them.

                                                                                                                                                                                                                                                                                                                Based on everything I’ve heard, Stripe’s reliability is somewhat unpredictable. The vast majority of accounts have no problem whatsoever, but here and there you will see reports of sudden terminations. For your case, I think it’s worth the risk just in terms of ease of integration. There may even be a slight risk reduction since you are signing on through a partnered platform (although I can’t say this for sure). Since amSTAT trusts Stripe with it’s customerbase, I’m inclined to think that it is an appropriate and relatively stable solution for your industry.

                                                                                                                                                                                                                                                                                                                Hope this helps,
                                                                                                                                                                                                                                                                                                                Tom

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                                                                                                                                                                                                                                                                                                                  George Cheney

                                                                                                                                                                                                                                                                                                                  Thank you for the hopefully unbiased review of Stripe. We are looking at 17 Hats for project management of our wedding venue business and it offers Stripe, Paypal or Authorize.net. We have read some pretty horrific reviews of credit card merchant services accounts and their wild west fees, so we are concerned about ‘getting in bed’ with a company with no or slow customer service as well as draconian funds management. We mostly would take payments for the venue in the $500-$5000 per ‘swipe’ payment range, and our current annual sales are less than $200,000, so we are not talking many transactions yearly.
                                                                                                                                                                                                                                                                                                                  17 Hats and Stripe appears to be a great way to streamline and improve our sales for our business as it makes the entire process(quotes to invoices to payment) able to be done by the customer online, as opposed to emailing manually attached documents from multiple apps, mailing/receiving checks, depositing them, etc. Any thoughts on the appropriateness would be appreciated.

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                                                                                                                                                                                                                                                                                                                    Tom DeSimone

                                                                                                                                                                                                                                                                                                                    Hi George,

                                                                                                                                                                                                                                                                                                                    Thanks for checking out our reviews. I don’t have firsthand experience with 17 Hats, so I’m not sure how flexible they are in terms of who you can use for your payment gateway and merchant account. It’s worth noting that Stripe and PayPal both bundle their payment gateway with payment processing services for $0 per month and about 2.9% + $0.30 per transaction, which equals over $5,800 per year for your business in processing fees. Authorize.Net is only a gateway provider, which would allow you to use a separate provider for your merchant account. By doing this, you would save upwards of $1,500 per year in fees. I’m not sure if 17 Hats allows this or not. Many of our preferred providers will be able to help you set up an Authorize.Net gateway as part of your standard account cost.

                                                                                                                                                                                                                                                                                                                    Services that make sign up extraordinarily quick and easy and that do not charge monthly fees are generally the most prone to poor customer service and unstable accounts. When they work, they work well. But when there are issues, it’s a real headache. If you are worried about holds and poor customer service, I’d see if you can go the Authorize.Net route and choose your own processor.

                                                                                                                                                                                                                                                                                                                    Good luck, and come back if you need more help.
                                                                                                                                                                                                                                                                                                                    -Tom

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                                                                                                                                                                                                                                                                                                                      Maria

                                                                                                                                                                                                                                                                                                                      Tom – thanks for the informative and fair review. My experience with Stripe is that of having to use it instead of Paypal via a freelancing venue. After reading your review and some comments, I’m concerned with receiving payments in a timely manner from service clients acquired thru this 3rd party venue. In other words, they are using Stripe to process payments between service providers and service requestors.

                                                                                                                                                                                                                                                                                                                      This leaves me in the position of having an account with Stripe and receiving funds thru their process, but I’m unsure what recourse I have if a problem arises – and am very concerned about the reports of accounts being terminated – and funds withheld – without reason.

                                                                                                                                                                                                                                                                                                                      Do you know of anything I could do to protect myself in this situation, so as to not have funds ‘quarantined/frozen/in limbo’?

                                                                                                                                                                                                                                                                                                                      thanks!

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                                                                                                                                                                                                                                                                                                                        Tom DeSimone

                                                                                                                                                                                                                                                                                                                        Hi Maria,

                                                                                                                                                                                                                                                                                                                        Based on what you’ve described, there is less for you to worry about. Since the main account will be handled by the venue itself, you are unlikely to deal with account termination issue since your sub-account will be issued by way of the freelancing venue. But the problem of potential holds is still a real worry.

                                                                                                                                                                                                                                                                                                                        Stripe has many fraud filter capabilities built in, so as long as they are activated you have that as protection. The real answer is that it is somewhat unpredictable. In some cases funds are withheld because real fraud occurs by someone you are trying to accept payment from, or sometimes their is just a perceived risk of fraud. This is a problem with many online payments providers. Without knowing more about the venue you are working through, its hard to say what you can do. Likely there is not much. I usually tell users to prepare for the worst and hope for the best. The longer you use the service and the more of a track record you accumulate, the more stable your account will become.

                                                                                                                                                                                                                                                                                                                        Good luck,
                                                                                                                                                                                                                                                                                                                        Tom

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                                                                                                                                                                                                                                                                                                                          John Skocik

                                                                                                                                                                                                                                                                                                                          Would not recommend Stripe. Had a total of 6grands of disputes and they claim I owe them 2 grand. They froze my account and I never got paid, I have proof of tracking numbers and e-mails from customers saying they got the item and FedEx even has the signatures and I still lost the disputes. Their default setting is so low risk it allows any fraudulent orders to come through. Tells me to change the default settings after losing 6 grand of merchandise. They don’t have any contact information and when you ask them for their number, they won’t give it.

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                                                                                                                                                                                                                                                                                                                            Paul

                                                                                                                                                                                                                                                                                                                            It appears that even if you ship items with Stripe , the decision to have your payment reversed falls into the HANDS OF THE CARDHOLDER’S BANK WHICH WILL ALWAYS SIDE WITH THEIR CLIENT , THUS YOU CAN SHIP GOODS WITH STRIPE.COM AND WILL LOSE THE CASE – AND RECEIVE THAT LOVELY EMAIL STATING “SORRY , YOU’VE LOST THE CASE”.Stripe.com – thoughts ?

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                                                                                                                                                                                                                                                                                                                              Sally

                                                                                                                                                                                                                                                                                                                              We have had good experience with stripe but we also manage other sites on the big commerce platform and the stripe account was linking to one of the other accounts. This doesn’t seem that easy to fix up.Does anyone know how you can point the payments to go to the correct stripe account. Otherwise we will have to install another payment gateway.thank youwww.igiftFRUITHAMPERS.com.au

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                                                                                                                                                                                                                                                                                                                                John

                                                                                                                                                                                                                                                                                                                                Strip is a rip off company. They approved my account and after my first two transaction for $350.00 they said ” we do have to put your balance on reserve for the next 90 days”. Don’t go with this company you never know you will receive money or not.

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                                                                                                                                                                                                                                                                                                                                  Bradley

                                                                                                                                                                                                                                                                                                                                  Did they provide a legitimate reason for doing this? I am considering going with them.

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                                                                                                                                                                                                                                                                                                                                    clint

                                                                                                                                                                                                                                                                                                                                    here is some interesting info.
                                                                                                                                                                                                                                                                                                                                    people who consider using squarespace can opt to enable ecommerce features. http://www.squarespace.com/feature-index/

                                                                                                                                                                                                                                                                                                                                    square market only uses STRIPE as their (one and only) cc processor for squarespace accounts. which is 2.9% +30c. kind of on the expensive side, isn’t it?

                                                                                                                                                                                                                                                                                                                                    it gets more confusing b/c there is another thing called square market https://squareup.com/market with a flat fee of 2.75% and no idea if they use Stripe or not for this.

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                                                                                                                                                                                                                                                                                                                                      MJay

                                                                                                                                                                                                                                                                                                                                      clint,
                                                                                                                                                                                                                                                                                                                                      squarespace.com is a web/blog-hosting site that allows for personalization and marketing of products. It uses the Stripe as payment processor.

                                                                                                                                                                                                                                                                                                                                      squareup.com/market is the web-based storefront of the users of the Square payment processor.

                                                                                                                                                                                                                                                                                                                                      Two totally different entities.

                                                                                                                                                                                                                                                                                                                                      I hope that clears up any confusion.

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                                                                                                                                                                                                                                                                                                                                        Larry

                                                                                                                                                                                                                                                                                                                                        From the terms of service agreement, they state the following:

                                                                                                                                                                                                                                                                                                                                        You are responsible for the use of lost or stolen cards to purchase products or services from your business, and selected and implementing Security Controls that are appropriate for your business. You agree to reimburse your customer, Stripe, Wells Fargo, and any third party designated by Stripe or Wells Fargo for any and all such liability.

                                                                                                                                                                                                                                                                                                                                        I’m good with all of that – as they are saying if someone uses a stolen card, we are basically out the value of the product. But my question is – what happens if someone uses my website to make a purchase, and their credit card data is stolen as the transaction process goes through. Am I responsible for that, or is Stripe? I’m considering using this service on a new site based on the squarespace platform – so they are doing all of the behind-the-scenes programming.

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                                                                                                                                                                                                                                                                                                                                          Tom DeSimone

                                                                                                                                                                                                                                                                                                                                          Hi Larry,

                                                                                                                                                                                                                                                                                                                                          Good question! The official answer is located in the ToS section just above the part you quote:

                                                                                                                                                                                                                                                                                                                                          You are fully responsible for the security of data on your site or otherwise in your possession. You agree to comply with all applicable state and federal laws and rules in connection with your collection, security and dissemination of any personal, financial, Card, or transaction information (defined as “Data”) on your site. You agree that at all times you shall be compliant with the Payment Card Industry Data Security Standards (PCI-DSS) and the Payment Application Data Security Standards (PA-DSS), as applicable. The steps you will need to take to comply with PCI-DSS and PA-DSS when using Stripe will vary based on your implementation. For more information about implementing Stripe, please refer to our documentation. If we believe it is necessary based on your implementation and request it of you, you will promptly provide us with documentation evidencing your compliance with PCI DSS and/or PA DSS if requested by us. You also agree that you will use only PCI compliant service providers in connection with the storage, or transmission of Data defined as a cardholder’s account number, expiration date, and CVV2. You must not store CVV2 data at any time. Information on the PCI DSS can be found on the PCI Council’s website. It is your responsibility to comply with these standards

                                                                                                                                                                                                                                                                                                                                          So the short answer is: No, unless something you do is the cause of the breach. Since the Stripe platform can be implemented in so many ways, it’s difficult for them to give a coverall answer. For your specific case, you don’t have much to worry about. Using the Squarespace platform, you won’t be doing anything customized or complicated in terms of how the card data is handled or how Stripe is integrated. It’s all really taken care of for you, and done seamlessly and by the book. You level of liability is basically zero.

                                                                                                                                                                                                                                                                                                                                          Best,
                                                                                                                                                                                                                                                                                                                                          Tom

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                                                                                                                                                                                                                                                                                                                                            Marc Bressman

                                                                                                                                                                                                                                                                                                                                            Great review – extremely helpful. Have been using iTransact/NPC and PayPal (backup/alternative) for some time now, but also recently started using Stripe and am potentially planning to commit fully to them in the coming weeks and cancel iTransact/NPC. Thanks again for the information!

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                                                                                                                                                                                                                                                                                                                                              John B

                                                                                                                                                                                                                                                                                                                                              Excellent review! Felt honest and fair. I will be going with Stripe and hope they live up to my expectations. Good work Merchant Maverick!

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                                                                                                                                                                                                                                                                                                                                                Carlos Valdivieso

                                                                                                                                                                                                                                                                                                                                                can my business accept credit cards from Venezuela?

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                                                                                                                                                                                                                                                                                                                                                  Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                  Hi Carlos,

                                                                                                                                                                                                                                                                                                                                                  If you are located in Venezuela, you will not be able to use Stripe. If this is the case, I’d recommend you talk to Durango Merchant Services to see if they can help.

                                                                                                                                                                                                                                                                                                                                                  If you are located in a country serviced by Stripe and would like to accept payment from customers located in Venezuela, this should be fine.

                                                                                                                                                                                                                                                                                                                                                  Good luck,
                                                                                                                                                                                                                                                                                                                                                  Tom

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                                                                                                                                                                                                                                                                                                                                                    KBCanada

                                                                                                                                                                                                                                                                                                                                                    I used square reader, we do transactions in the $1000 plus arena. We take all correct precautions like having our customers sign cc authorization forms and supporting documentation. Square reader abruptly shut down my account because of fears of fraud etc and we spent a few weeks recollecting a handful of payments. Someone told me to look at Stripe however I am concerned we will run into the same issue, i.e. process a “high value payment” and a few days later find they have shut down the account for some unknown reason, is this a valid concern?

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                                                                                                                                                                                                                                                                                                                                                      Chloe Bahal

                                                                                                                                                                                                                                                                                                                                                      Hello,

                                                                                                                                                                                                                                                                                                                                                      If you consistently run $1000 tickets, you should be ok. However, if you average $5000+/month, you should consider switching to a traditional merchant account. Traditional accounts are more stable than mobile ones. We have a great filtering tool that you can try here. I hope this helps and if you have further questions please let me know.

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                                                                                                                                                                                                                                                                                                                                                        SLouis

                                                                                                                                                                                                                                                                                                                                                        I have read the reviews and it seems like stripe is the way forward. i have a crowdfunding site and was interetsted in implenting stripe as a payment method. can any recommend a developer that can implemet stripe onto my website for me ?

                                                                                                                                                                                                                                                                                                                                                        any recommendations will be much appreciated

                                                                                                                                                                                                                                                                                                                                                        Thanks

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                                                                                                                                                                                                                                                                                                                                                          Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                          Hi SLouis,

                                                                                                                                                                                                                                                                                                                                                          You might have luck using sites like oDesk or Elance to find freelance developers to take on the project. Let us know how it goes!

                                                                                                                                                                                                                                                                                                                                                          Good luck,
                                                                                                                                                                                                                                                                                                                                                          Tom

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                                                                                                                                                                                                                                                                                                                                                            Jodi

                                                                                                                                                                                                                                                                                                                                                            Hi,
                                                                                                                                                                                                                                                                                                                                                            I am in the process of starting up an ecommerce website. Stripe looks like the way to go but my question is, I will also be selling my product at expos so I will need a mobile form of payment. Can I choose something other that Shopify such as Square or are the 2 related? Does my website and mobile payment work together or are they totally separate?

                                                                                                                                                                                                                                                                                                                                                            Thanks!

                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                              Bryan

                                                                                                                                                                                                                                                                                                                                                              I setup Stripe payments for three of my websites and also installed a new invoice system API to work with Stripe since Stripe does not offer any invoice solutions.I received my first Stripe payment from a student of mine and also tested my new invoice system using my own credit card which seemed to work very well and started working on over 8K of client invoices that I was going to send that day. An hour later, I get the following emails from Stripe using the following ‘canned’ email messages:======================================================”Thanks for signing up with Stripe. Unfortunately, we were unable to verify the information you provided. Any payments not yet transferred to you will be refunded, and we will be unable to accept any additional payments on your behalf. I’m sorry we won’t be able to help with your business, and if you have any questions, please let me know.”and]”Stripe provides a service between banks and our users. In order to provide service to our users we are urged by our banking partners to keep an eye on all accounts that sign up for our services. In the process of keeping an eye on your account, we’ve noticed that you’ve processed charges that seem to be unauthorized. In order to make charges with credit and debit cards the owner of the card must consent to the charge. Charges on your account do seem to lack this consent which unfortunately means that we will no longer be able to offer service to xxx.com.To guard against currently pending charges that may be unauthorized by the cardholder we will be refunding all charges that have yet to reach your bank. If you’d like to recollect these funds you will need to reach out to your users and arrange an alternative form of payment.I do apologize that your Stripe service will be ending so abruptly but our hands are unfortunately tied.”=============================================Stripe basically shut down my services without any valid reasons or explanations. I sent them my Gov’t photo ID and only processed three payments, one from a student and two from my own card during testing of new invoice system. I wrote them back asking them to be more specific in what I am doing wrong and why there was unauthorized charges since the only charges were from myself and one of my students.I have received no response from them at all in past five days nor has my student or myself seen any refund from them. I have never actually experienced such poor support from any internet based company..So before I delete all their API stuff from my sites, I decide to give Stripe.com support a phone call in hopes to find out what is going on and guess what? They do not offer any phone support!!The following explanation is from the Stripe support website using a nonsensical excuse to why they do not offer any phone support:Do you offer Phone support?”No—but please don’t misunderstand this as any lack of interest! We’d love to answer your questions.We know the decision to omit phone support is unusual, but after experimenting with different approaches, we’ve found that starting with email enables us to provide the fastest response. We focus on providing fast and high quality responses by email, so you’re always talking to a human that can help first-hand. If it makes sense to jump on the phone once we hear from you, we’re happy to do so.”WTF?!? A financial e-commerce company who does not offer any phone support?? Brutal to say the least.. I think the word is “HUP” or highly unprofessional and pathetic combined. I do although understand that there may not be enough call centers available in India to handle their customer complaints perhaps..?Beware of Stripe.com especially if you are shipping physical goods or you may in for a big loss. They will halt your account for no valid explanation and automatically refund your clients without any prenotification. And that is not good for any business.Stripe will not respond to your emails.Stripe cannot be contacted via phone support.Stripe is not interested in helping you resolve any errors.If these red lights are not enough indication that this company is incapable of doing a solid business with, take your chances and hope it works out better for you.

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                                                                                                                                                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                Hi Bryan,

                                                                                                                                                                                                                                                                                                                                                                That’s seriously frustrating. I’ve known Stripe to be much more responsive than that via email support, so I’m really disappointed to hear about this. Have you tried Stripe’s live chat? You can find it at http://www.webchat.freenode.net. Just enter #Stripe under “Channels”. A lack of phone support can only work with exceptional web support, and it doesn’t seem like that’s what you’ve received.

                                                                                                                                                                                                                                                                                                                                                                Here’s some insight I can give you. Processing your own card through the networks, even for testing purposes, can be enough to send up a red flag, since it is in violation of the card network rules. I know that you were just testing, but some people will run their own cards in order to get cash advances against their credit, which is why these transactions can get your account frozen or even terminated. Stripe offers this page with appropriate testing protocols, including dummy card numbers.

                                                                                                                                                                                                                                                                                                                                                                That said, I still don’t think it is at all appropriate for Stripe to ignore you here. When an issue like this comes up, I’d expect to see a personal and swift response from a customer support member.

                                                                                                                                                                                                                                                                                                                                                                Please keep us posted. I hope they provide you with an explanation soon.

                                                                                                                                                                                                                                                                                                                                                                Good luck,
                                                                                                                                                                                                                                                                                                                                                                Tom

                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                  Krystal

                                                                                                                                                                                                                                                                                                                                                                  Well I’m saddened to report I’m having this same exact issue. Without warning, Stripe cancelled our account and now I have customers who have no way to pay. I received the same generic email from Stripe which was frustrating. We’ve been in business some time and wanted to get away from PayPal. Stripe accepted the account and even processed the first transfer. But I now have $500 sitting in limbo with them (it charged the customer but I cannot get the funds) and have emailed them four times and even Tweeted them. Still no response and we’re going on a week. I’m going back to PayPal where I can at least engage with their customer service. Lame they don’t have a phone number as a financial organization.

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                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                    Stefanie

                                                                                                                                                                                                                                                                                                                                                                    Im in Canada and Stripe takes over a 1.5 weeks to process from transactions to deposit into your account. More than a week longer than ANY other provider. Not a selling feature for me and my small business.

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                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                      Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                      Hi Stefanie,

                                                                                                                                                                                                                                                                                                                                                                      I really hope that Stripe brings two-day funding to Canada soon. A week and a half is a long time to wait for payment. They advertise a seven-day rolling deposit period for Canadian merchants, but that might depend on the number of business days. If the Stripe gateway isn’t important to you, you might consider giving Helcim a shot, or even Braintree.

                                                                                                                                                                                                                                                                                                                                                                      Good luck,
                                                                                                                                                                                                                                                                                                                                                                      Tom

                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                        clipzonk

                                                                                                                                                                                                                                                                                                                                                                        Really helpful review and thanks to those commenting as well. We are looking to integrate Stripe and have been pleased and surprised how quickly it has all gone. In two days we have everything up and running. That is a huge difference from other more well known providers where we have been trying to get an account set up for several months now. Thanks again.

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                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                          Robert

                                                                                                                                                                                                                                                                                                                                                                          Does the 2.9% plus 30 cents include American Express?

                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                            Hi Robert,

                                                                                                                                                                                                                                                                                                                                                                            Yep. Visa, MasterCard and American Express are all covered under the 2.9% +$0.30.

                                                                                                                                                                                                                                                                                                                                                                            -TD

                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                              2piix

                                                                                                                                                                                                                                                                                                                                                                              After spending a couple of weeks struggling to make an Amazon Simple Pay API (generic enough to use for all kinds of products), not just “my” current product, I found it extremely refreshing to find this review. I even found a Haskell library for using Stripe. I am actually excited to integrate Stripe in my site now!

                                                                                                                                                                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                catherine

                                                                                                                                                                                                                                                                                                                                                                                Don’t use this merchant service, this company is not safe, my account was hacked, and 3-4 of my clients were billed 1000’s of dollars I never bill. Then when I wanted to refund they wouldn’t allow me too, claimed I was a business I was NOT, my clients even received invoices from stripe with half my company info and half another. It was good for one month and then they stole what money I did have left in the account from clients my company billed. I lost thousand of dollars, and now I have to pay out my clients because that isn’t right. They closed my account and when my attorney emailed them, they calmed they have no record of my business when I have proof of direct deposits…..RUN RUN RUN not worth loosing money, stress and loosing clients

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                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                  AppzVenture

                                                                                                                                                                                                                                                                                                                                                                                  Our Personal Experiences with the stripe is really flawless awesome. There pricing tier is very very good. No Monthly Charges, No hidden Charges in transaction and card payment is awesome fast terminals for both web and mobile platforms. There pricing is awesome 2.9% + 30¢ per successful charge.There responsive and trust full server give a very smooth transaction processing.Our company web and mobile developers will easily integrate stripe php, rails, ios and android with in couple of days for developer(s) its very easy to go through the documentation and api is very very proper and managed written by the author.Our upcoming clients and existing clients also integrate stripe as a payment gateway for the web and mobile application’s.I simply said i love stripe, there support with-in 24/7*365 days. Support is very very good also.Thanks stripe to do business with the companies.Best Regards,AppzVenture Team

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                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                    butlerwm

                                                                                                                                                                                                                                                                                                                                                                                    We use Stripe to process payments, and Stripe Connect to process the payments of our customers. I truly cannot say enough great things about their product and they make us look incredible as a business. Our customers love it and any questions we have are easily figured out by exploring their FAQ section or digging a bit into the application. The product continues to improve and it’s awesome that deposits are now made on a 2-day rolling basis. The only thing I’d like to see is for them to expand their reach south of the border, and for cc fees drop to a level where there’s no doubt in what gateway a company should choose.

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                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                      Ingrid

                                                                                                                                                                                                                                                                                                                                                                                      We use Stripe for our payment processing and the customer service is terrible. We have to wait 2 days for an email response, which most of the time is too generic and doesn’t answer questions.

                                                                                                                                                                                                                                                                                                                                                                                      It’s in cases like this where a phone line with a decent (under 5 minutes) and helpful Staff would be a game changer. Their product is decent, but having to wait days to move ahead with serving our clients is a problem; inevitably they make us look like we have bad customer service and are unresponsive.

                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                        AppzVenture

                                                                                                                                                                                                                                                                                                                                                                                        Dear Ingrid,I don’t think you are correct or might be your issue is terrible / horrified.. I am doing business since a 2 years with our client projects and our product based application as well. We / Our developer not facing any issue(s). I Love Stripe. Transaction and processing transaction to my US Bank account is very smoothly and fastly.

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                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                          AudioBuy Canada

                                                                                                                                                                                                                                                                                                                                                                                          Perhaps you work for Stripe?

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                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                            JEHANZAIB

                                                                                                                                                                                                                                                                                                                                                                                            Hi there,I received an email from Stripe saying your account will be cancelled in 5 days because i am running a telemarketing business, however i am not running a telemarketing business at all. I emailed them straight away and after a day i received a replying saying “To offer a little background, our banking partners are quite conservative and have some strong feelings about working with certain industries.” This happened after around 6 months of an approved/working account. I spent a lot of time to integrate the Stripe API’s into my product now everything is running perfectly fine and this email ? Is there any forum i can go and discuss ? I am also willing to go to internation court or any forum i can raise my voice and get my right. Any help will be highly appreciated.Thank you

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                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

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