Stripe banned us for payment disputes but we never had a single dispute

Looking at what service they actually offer, I can easily see why Stripe would not want to do business with them. They offer private credit card services, which seems like it could easily be a magnet for people trying to launder stolen credit cards and the like.

Just because they have not yet been hit with this, does not mean they are not at risk of becoming a target if they get a bit more known. Stripe doesn't want to have to deal with that.

We preempted this by using Stripe radar along with our own tools. The fact we had only one charge-back in 3 months which we won, speaks to the efficiency of our protection mechanisms.

Finally, all bigger software shops face this issue so we are not unique.

1. https://kinsta.com/blog/credit-card-fraud-stripe/

But that is just promises from your side. From their side, they have no idea how much effort you are or are not making, nor whether that effort will be enough or not.

To them, you are a risk. They don't want that risk.