Discussion
0x3f: You don't mention any timeframes here. It's quite reasonable for Stripe to hold what they see as high-risk funds in _anticipation_ of more disputes coming in.
opengrass: You don't. 1%+ successful DR = ban. I forget the snapshot window. Disputes should be refunded to be void and that user banned. If you incur more in fees than a monthly DMA plan you shouldn't be using Stripe anyway. The Cloudflare endpoint should be on a subdomain only allowing the documented Stripe IPs.
db48x: You have to sue them. If you don’t sue them, they’ll keep doing it.
echelon: The Stripe horror stories are adding up, making me think startups will move to different platforms.A friend in China recently got shut down by Stripe for a perfectly legitimate business. They moved to Creem.Stripe cares about big business. Startups can't really be moving the needle much for them anymore.Stripe's APIs have become too confounding for small business anyway. They care about big business shaped entities at the expense of smaller scrappy players. Easy things aren't easy. It sucks.You have to build your own hooks and logic for upgrades and downgrades. The event types are mismatched yet you have to listen across several semantic classes to capture the right state changes. Absurd, legacy/big biz focused garbage.It should be click a button and integrate one API and webhook and you're done.Huge opportunity.
Imustaskforhelp: I am not sure about Stripe terms of service but don't most companies have some hatch-key terms of service to prevent suing. (I am not sure about stripe but there are some products that if you use their service, then you can only sue them for 1$ for example)My recommendation feels as to get the money as soon as possible and then contact a lawyer and see if they can get enough pay-off from this somewhat, rightful lawsuit.IANAL, but Maybe if they make even more than 85k$ by suing them right now, then perhaps they can sue them right now but maybe a lawyer here can give more definitive answer as to how they should proceed (and perhaps they shouldn't listen to any of us online people especially about the law)OP, I suggest contacting a lawyer just in case.
BartjeD: In most European countries, UK excluded, the law of contracts doesn't work this way.Reasonableness and good faith are implied in contracts. If a clause kills the essence of a contract maliciously, the court will not enforce it.
kkfx: Read also https://shaun.nz/why-were-never-using-wise-again-a-cautionar... than understand why crypto (not stablecoin) shift is a need not because their are good (they are not much) but because they can't block us. Banks and fintech have dug their own grave with such behaviors, and they'll resist until common people will understand.
0x3f: > Banks and fintech have dug their own graveMost of the annoying stuff with banks is just a response to government regulation.
Imustaskforhelp: > CreemI kinda liked the website, I feel like there are some good features within this website, the more competition the better, Kinda like its referral and split model within co-founders, especially like this for something like a course website/maybe even Patreon alternative, combined with Cloudflare workers/Hetzner. I am seeing a lot of competition within this space, Does anyone have a github awesome-list about these or should I create one?On personal experience, Just recently, I still have 12$ of my money stuck within Pulsedmedia/their payment provider as I had done a (crypto) payment but their system has failed to recognize it and Pulsedmedia could do nothing about it, not cancel or accept the deal as after 24 hours or at this point close to 48 hours, yet no response by coinpayments or any response at all.All of this happened because I had accidentally sent them the whole amount but just 60 cents less... let that sink in, Pulsedmedia says that they can't do anything but as a customer, I don't feel like recommend Pulsedmedia anymore because of my experience with their payment provider being so bad and they have said that they have no control over, not even refunding me. Man, a lot of the times, I feel like payment processing should be a solved problem but recent experience indicates otherwise as I felt restlessness from my money being stuck in limboEither refund me as soon as possible or allow me to have a service, having to open up mail multiple times and seeing no response feels really frustrating even if the money might be low, I would still like to have it back. I feel like your choice of payment provider matters quite a lot and it can be a differentiating factor even, for the end consumer.I had heard some good things about pulsedmedia within the forums I browse but when I had raised tickets, they had responded to me with AI too :-/ It felt extremely weird typing everything out taking time only to be responded with I hear you--you are extremely right. I don't want to blame pulsedmedia here but man oh man, some payment processors make me feel so rageful, and I think that I am fairly patient in most cases, but having money stuck no matter how tiny definitely makes me a bit stressed.If I learn anything from all of this, it's to not have a shit payment provider, heck I might even try becoming a customer and raise issues like payment getting stuck or see their customer support response times before buying them.
