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

Edwin from Stripe here. (OP, I've just sent you an email and we can talk more over there—I'm terribly sorry for the trouble.) I can't get into too many specifics about an individual business publicly, but unauthorized charges have high potential to be disputed in the near future—and while Stripe itself doesn't have a dispute threshold, the card networks require businesses to keep disputes low.

Although that email in the post was admittedly a template, a human did review the transaction activity and actively sent the email. We're digging more into exactly what happened here to prevent the confusion from happening again. Over the past few weeks, we've been overhauling how we work with businesses in situations like these and are rolling out some meaningful improvements soon.

So, if I want to disrupt a competitor all I have to do is hire a bunch of darknet identify thieves and you'll shut down their merchant account?

Yes, if you’re willing to break the law and risk the consequences, you can get up to all sorts of stuff. Same as anything?

Like, “So, if I want to disrupt a competitor, all I have to do is hire thugs to smash all their stuff?”

Yeah, that’d do it. Good luck.