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Stripe, Inc.

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Reviews Stripe, Inc.

Stripe, Inc. Reviews (617)

Initial Business Response /* (1000, 5, 2015/03/02) */
As the complainant mentioned, we contacted the complainant on February 9, to let them know that we would be ending service due to charge activity that seemed to pose an undo risk for chargebacks
Funds from the complainant's
existing charges will be held in reserve for another days, to offset the possibility of refunds or chargebacksDue to the need to protect the security of our fraud models, we're not able to disclose the specifics of these charge patterns
Having reviewed the case further, it does seem possible that funds could be released prior to days, pending a review that would include providing a photo ID and some further explanation of the charges, along with invoicesWe have reached out to the complainant to ask for this information
Initial Consumer Rebuttal /* (3000, 7, 2015/03/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was contacted by an individual by the name of "***" at StripeI provided a report that details all credit card transactions with Stripe and scanned copies of the individual invoices
I explained to *** that all the credit card transactions were executed by myselfWe were setting up the initial ecommerce functionality on the site to enable the sale of digital content (e.g., Logistics and Supply Chain Reports produced by Probity Enterprises, Inc.)Probity Enterprises provides contract logistics services to clients in the US and ChinaThe establishment of the ecommerce functionality is to enable the sale of logistics reports via our website
It is our expectation that Stripe immediately reinstate our serviceFrankly, we want an explanation as to why our service was discontinued per the statement of Vera, "Stripe can only support users with a low risk of customer disputes--after reviewing your submitted information and website, it does seem like your site presents a higher level of risk than we can currently support"Why is our website considered "high risk"
I shared with *** at Stripe that prior to providing a scanned copy of my government issued ID, I would like to know the reason for the request and how the information will be utilized
I have not received a response from Stripe for over two days to the aforementioned
Final Business Response /* (4000, 9, 2015/03/13) */
Unfortunately, after our reviews of this account, Stripe is unable to reinstate serviceWe are likewise unable to go into detail about how we identify an account as "high risk" via our verification and evaluation proceduresStripe does not share publicly its procedures for detecting fraudulent accountsKeeping this information private helps Stripe to protect our users and their customers from fraud
We are happy to address the complainant's inquiry as to why Stripe requested their government ID; Stripe's verification processes are explicitly covered in our terms of service and is a mandatory requirement that all Stripe users meetStripe's specific requirement that users verify the site their using to sell goods/services is in place to ensure the goods and services they're selling are in line with our Terms of Service and allows us to fulfill the KYC (know your customer) banking requirement
1https://stripe.com/us/terms

First off, Stripe would like to apologize that the complainant's support experience has been less than phenomenalWe strive to answer our user's questions and concerns in an efficient and effective manner, but it appears as though we have clearly dropped the ball hereWe understand that having
access to phone support is very important to our users and this is something that we are actively working onIn the meantime, our users are more than welcome to reach out to us via email at [email protected].
With that being said, the complainant's claim that we have taken multiple days to respond to their emails is simply not trueOn June 29, 2016, the complainant wrote in stating that they were having difficulty linking their bank account to receive fundsA Stripe Supporter responded within hours to help with this issueWhen the complainant wrote back in on *** *** ***, a Supporter followed up with the complainant within hours with additional information
On *** ** ***, Stripe proactively reached out to the complainant to assist them with their banking information so that these funds could be transferred outIn this message, information was included about what could be going wrong on the accountA Stripe Supporter then responded to the complainant within hours with more information about how to get the complainant's funds into their bank accountThe complainant wrote in once more hours laterDespite this now being a holiday weekend, they received a response within hoursDuring this last interaction, the complainant was asked to provide Stripe with a void check so that we could ensure that the correct banking information was on file and correct any discrepancies so money could be transferred to the complainant as soon as possibleThe complainant did not respond
We welcome the complainant to reach out to us at [email protected] with a void check so that we can ensure that we have the correct bank account information on file and transfer these funds to the complainantAt this point, we are unable to transfer funds to the complainant because every attempt to do so has resulted in a 'No account found' message from the complainant's bank, meaning the information was not entered correctly

Stripe is the worst service I ever experiencedI sell items on shopifyAfter just commands, they sent me a lines email saying they stop their service because someone used a card without the consent of the ownerNo more information and nothing on my dashboard no neitherThey send me to paymentcloudinc which is an affiliated, unknown, gateway payment for risky business, which is not my caseBut it is surely a clever scheme to make me pay sky high rates for a service I don't needStripe are bad and unprofessional, they never answer to my questions about this issueIt is like the support service is just an empty shell with very few people sending automated emailsLame, all the way

Complaint: ***I am rejecting this response because:
We followed the link that was sent to *** A verification code was sent to the phone number 310-994-9771, we inserted the code and the email was verifiedThey still don't release the funds
More so, we had around senseless emails sent to us in response of my request to release our moneyEach time, a different person was responding with a different request
And now, I revisited my saved emails to cut and paste our correspondence, but they are all goneThey deleted them on their end to cover their trace.
This is a scam and a fraud, and they must be shut down! They blocked our money for no reason for over months already, and they still have not release it
*** ***Sincerely,*** ***

Initial Business Response /* (1000, 5, 2015/12/08) */
Stripe helps thousands of merchants accept payments onlineWe don't charge customers' cards directly and it's an unfortunate bug that sometimes our information shows up on cardholders' bank statements instead of the business'sThe payment in
question would have been made with one of the many online businesses using Stripe to accept payments, and would not have come from Stripe directlyIf the complainant would like to write into us directly with information about his charge, we'd be happy to look up the charge information and let her know which of our merchants created the chargeSpecifically, the following information would be useful:
last four digits of the card
expiration date
card type
If the complainant could provide the information she has already conveyed in the email as well, that would be useful as well -- name on the card, charge amount, date

Stripe at no point on time did they make any request to verifyIn fact several emaisl were sent to stripe and they are not yet answeredStripe should submit proof that they made an effort to review charges with me
Complaint: ***I am rejecting this response because:Sincerely,*** ***

Initial Business Response /* (1000, 5, 2015/04/29) */
Stripe operates within a variety of constraints imposed by our banking partners, credit card networks and applicable lawAs a result, Stripe must fully understand its users to ensure their businesses are consistent with Stripe's Terms
of ServiceAll users agree to these terms when activating Stripe accounts, and the terms are posted here: https://stripe.com/terms
Since Stripe bears financial responsibility for all accounts using Stripe to accept payments, Stripe needs to have a high degree of confidence about their legitimacy, and their likelihood of delivering promised goods and servicesStripe periodically reviews accounts to verify that they meet these standards, and reaches out to merchants should any issues arise
During a routine review, Stripe identified strong signals that the complainant's account was related to another account that had previously been terminated for fraudulent activity which was in violation of the Stripe Terms of ServiceStripe cannot process payments for businesses associated with any businesses that have been previously rejectedOn April 18th, Stripe did reach out via email in order to advise the complainant of our decision and the closing of the account
The closing of this account is in accordance with the following section of the Stripe Terms of ServiceOur terms very clearly state that Stripe "may suspend your Stripe Account and your access to the Service and any funds in your Stripe Account, or terminate this Agreement, if we determine in our sole discretion that you are ineligible for the Service because of the risk associated with your Stripe Account, including without limitation significant credit or fraud risk, or for any other reason"
https://stripe.com/us/terms#termination
As the related rejected account does hold a large negative balance, and owes Stripe funds, we will not be releasing the funds on the complainant's accountThere is a net negative balance that should be paid before they can receive any further transfers
We do apologize for any inconvenience in regards to the lack of phone supportWe are actually in the process of building a phone support system and anticipate it to be rolled out in the next coming months
Initial Consumer Rebuttal /* (3000, 7, 2015/04/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
IS-VAST Network International, Incis a corporation of Delaware providing development services to banks and takes fraud very seriously
Stripe has not provided response directly to the corporation of such allegationThis allegation is malicious and without basis
The only indication of account status sent to IS-vAST from Stripe is as follows:
received 4/18/
Hi ***,
Stripe provides a service between banks and our usersIn 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 servicesWe've noticed that you have processed charges that seem to be unauthorizedin order to make charges with credit and debit cards, the owner of the card must consent to the chargeCharges on your account do seem to lack this consent, which unfortunately means that we will no longer be able to offer service to isvast.com
I'm sorry that your Stripe service will be ending so abruptly, but unfortunately our hands are tied in this situation
Best,
Stripe
As you can see there are no statements of allegationOnly statement that the existing charge "seems to be unauthorized"Again we have provided proof and contact at the bank for the charge in question for 5,(stripe id: ***) made by First Hawaiian Bank is duly authorized
Therefore our complaint stands that stripe is unjustly withholding funds from IS-VAST Network International
Final Business Response /* (4000, 9, 2015/05/01) */
Stripe operates within a variety of constraints imposed by our banking partners, credit card networks and applicable lawAs a result, Stripe must fully understand its users to ensure their businesses are consistent with Stripe's Terms of ServiceAll users agree to these terms when activating Stripe accounts, and the terms are posted here: https://stripe.com/terms
Since Stripe bears financial responsibility for all accounts using Stripe to accept payments, Stripe needs to have a high degree of confidence about their legitimacy, and their likelihood of delivering promised goods and servicesStripe periodically reviews accounts to verify that they meet these standards, and reaches out to merchants should any issues arise
During a routine review, Stripe identified strong signals that the complainant's account was in violation of the Stripe Terms of ServiceStripe cannot process payments that appear to be unauthorized by the owner of the charged cardOn DATE, Stripe reached out to the complainant to advise them of our decision and the closing of the account
The closing of this account is in accordance with the following section of the Stripe Terms of ServiceOur terms very clearly state that Stripe "may suspend your Stripe Account and your access to the Service and any funds in your Stripe Account, or terminate this Agreement, if we determine in our sole discretion that you are ineligible for the Service because of the risk associated with your Stripe Account, including without limitation significant credit or fraud risk, or for any other reason"
https://stripe.com/us/terms#termination
While we will not be able to continue processing transactions on the account, this does not preclude the complainant from signing into Stripe and accessing any of the account's existing data
Final Consumer Response /* (4200, 11, 2015/05/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Stripe again offers no proof of any violation of terms of service and indicates only "strong signals" lead them to this decisionThey have not provided proof or even stated what signals they haveWe are a small business and this caused us undue stress and defamation
This is clearly misuse of terms and conditions to their sole benefitHow can any business, like Stripe, just say I feel you're in the wrong so I'm not going to give you the money a legitimate someone has paid you?
If they truly believed this was fraudulent charge then why have they not refunded the moneys or allowed me to refund the monies to the bank that made the charge? Instead they have decided to keep the money for their sole benefit
As you can see from their email this is a "canned" response and I have to wonder how many more people they have done this to
If they truly believe this is fraudulent then refund the money to the bank

To provide some context, Stripe as a company is responsible for processing payments online with thousands of businessesIt sounds like we may have handled the complainant's credit card information, and this may be why they're seeing us recently on their credit card statement
To clarify Stripe is
not the merchant, and in order to get a refund or update on this purchase the complainant would need to contact the merchant
If the complainant would like we can help looking up who the charge was paid to and they can decide if they recognize the charge or notWe'll just need them to email us at [email protected] with the date of the charge, the last digits and expiration of your credit cardOnce the complainant has done that, we are happy to help them

Initial Business Response /* (1000, 5, 2014/06/09) */
This complaint stems from a dispute initiated on a charge which was partially refundedThe complainant was notified of the dispute on Thursday, May 29th, and wrote into support shortly afterThe support team responds to all emails as
quickly as possible, and responded to this customer on Saturday May 31st explaining the process of disputes and apologizing for the delay in responding
Stripe is not the deciding party for disputes, but acts as the middleman between the banks and usersA team member explained this, as well as the unfortunate possibility of a dispute taking place for the full amount of a partially refunded charge
Stripe agrees that this loophole allowing a partially refunded payment to be disputed for the full amount is unfairWe understand this situation is very unfortunate for all parties involvedWhile the complainant has not had the dispute reversed in their favor by Visa, we quickly covered the full amount of the chargebackThe customer has now had all funds and fees related to the disputed charge returned in full
On the issue of chargebacks, our US Terms of Service clearly state that users are responsible for any chargebacks on their payments: "When a Chargeback is issued, you are immediately liable to Stripe for the full amount of payment of the Chargeback plus any associated Fees, fines, expenses or penalties (including those assessed by the Card Networks or our payment processors)."
The relevant section of the Stripe Terms of Service can be found here: https://stripe.com/us/terms#chargebacks
Stripe does hold its users responsible for any chargebacks they may incur from the card networks' chargeback systems, but will be covering the complainant's chargeback in this particular edge case
To be clear, Stripe is not the arbiter of chargebacksStripe does provide a platform for users to upload evidence in response to a chargeback, but is not involved in the decision-making process, as the chargeback system is set up and regulated by the card networks
This is outlined in our US Terms of Service: "You or Stripe may elect to contest Chargebacks assessed to your accountStripe may provide you with assistance including notifications and software to help contest your ChargebacksWe do not assume any liability for our role or assistance in contesting Chargebacks."
The relevant section of Stripe's Terms of Service can be found here:
https://stripe.com/us/terms#contesting-your-chargebacks
Regarding response times, the complainant's emails were acknowledged on May 31stIn this response, the support representative apologized for the delay in response and explained that we aim to provide excellent customer service, but had not reached those goals in this caseThe complainant received a full response, in which the complainant was informed that Stripe would be covering this chargeback, on May

Initial Business Response /* (1000, 5, 2015/06/17) */
The transfers in the account are being held because we were unable to verify the URL to the website for your businessThe URL we had on file did not existOur financial partners require us to thoroughly review accounts and verify the
identity of every user on our platformWe instructed the account owner to update the URL in the account settings: https://dashboard.stripe.com/account/public
We were unable to contact the account owner for a while, which is why the process took as long as it didFor security reasons, were are unable to speak to anyone but the verified company representative
This issue was resolved and the funds were deposited on June 11th,
Initial Consumer Rebuttal /* (3000, 7, 2015/06/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Stripe did transfer the funds onn6/12/They are not being truthfulWe contacted them by email immediately when the account stated the website URL did not existNot only did we fix what they asked in May but we inquired why deposits had gone through until 3/1/with no issueThe questions were never answered, they took no responsibility for the error until Eeke responded to us with an apology for THEIR lack of service but still did not answer the questions as to why the account was all of a sudden a problem when nothing changedThe error was on Stripes end, they ignored over emails that I have copies of and only when I contacted the Revdex.com and our attorney did they address the problem
We are resolved in that we have the funds but the answer from Sripe is not factual as they made no contact and did not respond to contact from us for weeks
We are switching companies the customer Service is awful and they have a long list of complaints in the last months

Initial Business Response /* (1000, 6, 2015/08/04) */
On August 1st, 2015, the complainant reached out to Stripe to inform us that they were experiencing issues verifying their accountStripe must verify all of our user's identities to stay in compliance with KYC, or Know Your Customer,
regulationsAs part of this process, we ask users to upload a government-issued photo IDUnfortunately, the images provided were not readable and there was a delay verifying the user's identity
We reached out to the complainant on August 1st, 2015, informing them that they had successfully verified their identity with a clear copy of their photo IDOn August 3rd, Stripe successfully transferred $CAD to the complainant's bank account and we have another scheduled transfer to the their bank account that should be visible in their Stripe account dashboard on August 6th
Initial Consumer Rebuttal /* (2000, 8, 2015/08/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thanks

Stripe is required to hold onto all remaining funds for the industry standard chargeback window of at least days for very high risk accounts such as the complainant'sThat hold helps protect ourselves, our banking partners, and their customers from potential fraud or disputesWe're legally prohibited from making any interest on held funds, and we greatly prefer to transfer all funds to our users as quickly as possibleWe simply have no way around the regulations and so have to create a reserve
Once that period is over we'll deposit all remaining funds into the complainant's bank account automaticallyIn the interim, the complainant can still log in and monitor that transfer date and amount here: https://dashboard.stripe.com/transfers/overview
We also mention these policies in more detail within our Terms of Service here:
https://stripe.com/terms#reserves
https://stripe.com/terms#receiving-your-funds-from-card-transactions
https://stripe.com/terms#termination
https://stripe.com/terms#registering-for-stripe
With regard to refunds, the complainant still has the ability to offer these from within their Stripe accountWe informed the complainant of this on June 28, ***, by stating that they were welcome to issue refunds to their customers and arrange for alternate means of payment with them if waiting for the reserve to end was not sufficientIf they are not interested in doing that, we informed the complainant that they are welcome to wait until July 28, *** to have their funds transferred to them

Initial Business Response /* (1000, 8, 2015/09/09) */
On August 18th, 2015, the complainant reached out to Stripe to inform us that they were experiencing issues transferring money fStripe must verify all of our user's identities to stay in compliance with KYC, or Know Your Customer, regulations
As part of this process, we ask users to provide a valid URL associated with the business that they'll be accepting payments one ask users to provide a valid URL associated with the business that they'll be accepting payments onUnfortunately, the complainant provided a non-functioning URL that came up with an error, so we were unable to ascertain whether or not this was a legitimate business
We reached out to the complainant on August 18th, 2015, informing them that we would need to initiate a standard review of their account in order to get them back in good standingOn August 26th, Stripe reached out to the complainant to apologize for the delay in reviewing their account, and we assured the complainant that this would be resolved as quickly as possibleOn August 31st, we reached out to the complainant to inform them that their account had been approved and transfers were re-enabledThe complainant's account is now in good standing

Complaint: ***I am rejecting this response because:Sincerely,*** *** The first dispute was settled after months of harassment from StripeThat money should be returned to me now since the dispute is overI do not know of any dispute from another customerAll of my customers have my contact informationNo one has contacted me to dateWithholding my money from the initial dispute is illegal

Initial Business Response /* (1000, 5, 2015/07/17) */
Disputes can be a frustrating part of accepting credit card payments, and Stripe does everything possible to protect our users from fraud and make sure they have an advantage during the disputes processThat said, Stripe does not have
the ability to resolve disputes for our users, or make decisions about who wins or losesWhile Stripe provides tools to our users for submitting evidence, the process is actually arbitrated by their end-customer's card-issuing bank
As a matter of clarification, Stripe does not authorize charges for our usersMuch like the disputes process, we pass *** relevant information to the card-issuing bank, who then authorize or decline the chargeThe erratic behavior the complainant describes is indicative of attempted fraudulent charges (a fraudster attempting many stolen credit card numbers until one works), as she notesWe advise our users to be watchful for these types of situations, and not to ship merchandise when they observe fraudulent activityIn this case, it appears the complainant didn't look at payment history before shipping the merchandise
We have many fraud prevention measures in place, including a machine learning-based fraud shield, and the ability to decline suspicious payments even if they are authorized by the bankThese tools exist to help our users protect themselves, but they still require activation by the user, and don't represent a fully-automated solutionRegardless of the software in place to protect our users from fraud, they will always need to protect themselves by monitoring for fraudulent activity before shipping merchandise
In order to resolve a fraudulent dispute in their own favor, our users need to submit evidence that the disputed charge was made by an authorized cardholderWe pass *** information along to the card-issuing bank, who arbitrates the dispute and renders a verdictHowever, if the charge was clearly made fraudulently, as the complainant indicates, users is liable for the disputed amountThe credit card networks assign liability for accepting fraudulent online transactions to businesses
Stripe is not in a position to cover the cost of disputed funds for our usersOur terms explicitly state that users are "immediately liable for to Stripe for the full amount of payment of the Chargeback plus any associated Fees, fines, expenses or penalties." Our terms further state that "Stripe may provide you with assistance including notifications and software to help you contest your ChargebacksWe do not assume any liability for our role or assistance in contesting Chargebacks." Our users accept these terms when they create their Stripe accountsMore information can be found in our terms of service, here: https://stripe.com/us/terms#chargebacks
Disputes are a frustrating reality of accepting credit card payments, especially onlineWe try to give our users the best chance to avoid these situations, but ultimately Stripe can't accept responsibility for authorizing fraudulent payments (as card-issuing banks authorize charges)We are happy to help the complainant avoid future disputes - we can always be contacted at ***@stripe.com
Initial Consumer Rebuttal /* (3000, 7, 2015/07/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Seeking refund and clearer ofor fraud protectionIf it's not a charged or premium service, why is it even an option? Why not automatically provide for all customers upon sign up? It's as if their system is set up to fail customersNegligent business practices
Final Business Response /* (4000, 9, 2015/07/28) */
Stripe is a payments processor and doesn't guarantee protection against fraudOur machine learning-based fraud shield works for all users protects against most but not all fraudulent chargesFurthermore, we provide users the option to decline suspicious payments even if they are authorized by the bank, e.gauto-declines for failed CVC or AVS checksThis option is not always desired from our usersTherefore, we keep it optionalThe complainant did not avail of this optionThis failure resulted in charges being processed which didn't pass *** or AVS checks
We notified the complainant of this fact on 5th June:
"I looked over your account and noticed that several charges are getting through with a failed CVC or AVS checkI recommend turning on auto-declines for CVC checks in the very least as this can greatly reduce the number of fraudulent charges you're faced withYou can turn those on here: https://dashboard.stripe.com/account
If you would like further information on how to detect and prevent fraud then I recommend taking a look at this link: https://support.stripe.com/questions/avoiding-fraud-and-disputes"
Final Consumer Response /* (4200, 11, 2015/07/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The Stripe fraud shield is inherently flawedEven in their explanation that it protects against "most but not all fraudulent charges." If this was clearly made known to users PRIOR to sign-up, I would venture to guess that most users would not opt to use StripeAlso, the notification to me on the 5th was after the fact and only gave advice on future transactionsNo help at allThis company is negligent

Initial Business Response /* (1000, 5, 2015/03/11) */
On February 25th, the user did process a large transaction on their Stripe account, and the same day,
Stripe reached out to the user via email to advise that an unusually large transaction had been processed on the user's account, and to
inquire after an invoice or similar documentation so that we could ensure that processing would proceed smoothly
The user did begin writing in on March 4th asking after the whereabouts of the transfer, and the next day, on March 5th, Stripe did refer them to the earlier correspondence we had sent wherein we requested an invoiceAlso on the 5th, the user then sent in an invoice which Stripe reviewed, and due to transit times on the networks which we utilize to send funds, the transfer was then scheduled for March 9thStripe advised the user of this on March 6th, and the same day the user asked for a reason why the funds could not be released immediatelyStripe then explained, also on the 6th, that the funds could not be sent any faster, but did assure the user that no further disruption would come to their transfer schedule in the future
It is worth clarifying here that Stripe does not collect any interest on funds during the period that we hold themTo do so would actually be illegalAny waiting period that exists for transfers is exclusively due to addressing and managing risks which are inherent in providing credit processing services to our users, as well as the actual transit times that are in place for the networks we useWe did need to confirm the validity of this charge, and once we did so we resumed scheduling transfers
A delay in response to the user's emails was due to an increased volume of support requests, but of course regrettable, and we certainly apologize for this

Complaint: ***I am rejecting this response because: it is lies followed by an attempted justificationThey tried to say my website was invalid when it's in fact working just fineThey have responded time to my requestI am registered with the Secretary of State of *** as well as have a Federal Tax IDI have a physical location exclusively for my businessIt is insulting to perpetuate so many things that simply aren't true and are verifiableI've since refunded my customers and will take care of getting my money from themI will also never use this service again and highly recommend that no one else does as well. Sincerely,*** ***

Initial Business Response /* (1000, 6, 2016/01/22) */
Stripe processes credit cards for thousands of businesses online (***)It looks like the complainant made a payment on one of their sites, and for some reason Stripe's details have shown up instead of merchants on the
complainant's credit card statement
As of today, 1/22/2016, the complainant has not reached out to***.com for help on how to proceed with this issueWhen a product has not been delivered, we typically recommend that the customer reach out to the company that they ordered the product from to resolve the issueIt looks like the complainant is referencing a transaction placed with ***.com FlashlightsSince Stripe is unable to process refunds on behalf of merchants, the complainant will have to reach out to the ***.com Flashlights support team here:
***.com
If the complainant does not receive a satisfactory response from the merchant, then we would typically recommend filing a dispute for the charge with the credit card company used for the transaction
We would be happy to answer any questions that the might have at***.com
Initial Consumer Rebuttal /* (3000, 8, 2016/01/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My mistake re Stripe! The name of the business is NGOA University of GunsSince making my complaint, I have received the flash light, and the quality is extremely poorIt stated on the envelope to use caution, because batteries were inside the envelope, no batteries were includedThe flashlight is about inches long, and of Dollar Store qualityMade in China on box(I learned a valuable lesson about online ordering)I found many many reviews on this product, and all were poorWish I had read reviews prior to orderingAs for myself, I was misled, and scammed out of $56.00, but wish you could address this issue for others that are buying from them, some spending much more than I did! Thank you for your assistance
Final Business Response /* (4000, 10, 2016/01/29) */
As mentioned previously, Stripe does not process refunds or handle customer service issues for users who process payments on StripeWe recommend the complainant reach out to the seller directly about their purchase, or dispute the payment with the credit card company used for the transaction
The complainant is welcome to contact us at***.com if they have any further questions

Initial Business Response /* (1000, 5, 2015/05/18) */
On May 13th, the complainant emailed Stripe 7:20AM to notify us that she was not able to access her Stripe accountWe do our best to respond within hours; our website states that we will respond within hours, if not soonerIn this
case, we responded in six hours
After this complaint was opened, we were able to resolve the complainant's login issueThe last we were in contact was on May 14th, when a Stripe employee sent a follemailSince we have not received any other messages from the complainant, the issue appears to be resolvedWe're happy to help if the complainant has any other trouble!

Initial Business Response /* (1000, 5, 2015/11/22) */
In the last correspondence with the complainant on November 20th, 2015, the complainant agreed to pay the money owed to Stripe as a result of disputes on the accountThe complainant has not paid off the balance owed to Stripe just yet,
but the complainant has indicated that they are very close to raising the required funds
As discussed with the complainant, disputes can be a frustrating part of accepting credit card payments, and Stripe does everything possible to make sure our users have an advantage during the disputes processThat said, Stripe does not have the ability to resolve disputes for our users, or make decisions about who wins or losesStripe provides tools to our users for submitting evidence to their customers' card-issuer, but that issuer is the entity who arbitrates the process, not Stripe
The complainant ultimately bears the responsibility for preventing fraud and disputes on their accountThis procedure is in accordance with the following sections of our Terms of Service, which can also be found at https://stripe.com/us/terms and more specifically https://stripe.com/us/terms#receiving-your-funds-from-card-transactions ("You are responsible for refunds, returns, and liable for customer disputes (chargebacks).")
Additional relevant terms agreed to by the complainant:
https://stripe.com/us/terms#payment-methods
https://stripe.com/us/terms#chargebacks
Section Cof Stripes Terms of Service states:
"When a Chargeback is issued, you are immediately liable to Stripe for the full amount of payment of the Chargeback plus any associated Fees, fines, expenses or penalties (including those assessed by the Card Networks or our payment processors)You agree that Stripe may recover these amounts by debiting by means of ACH debit of your Bank Account associated with your Stripe Account, debiting your Reserve Account, or setting off any amounts owed to you by usIf we are unable to recover funds related to a Chargeback for which you are liable, you will pay us the full amount of the Chargeback immediately upon demandYou agree to pay all costs and expenses, including without limitation attorneys' fees and other legal expenses, incurred by or on behalf of us in connection with the collection of any unpaid Chargebacks unpaid by you."
We also pride ourselves on having as much documentation for our users as we possibly canOne area of focus is fraud and dispute prevention, and we clearly mention steps for our users to take in order to prevent this exact type of situation:
https://support.stripe.com/questions/avoiding-fraud-and-disputes#identifying-pot... /> While we understand the stress this situation has caused the complainant, our Terms of Service and documentation are very clear that the ultimate responsibility for preventing fraud falls on our users

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