Summary: Stripe put my accounts in review for a spike in sales on Cyber Monday. Throughout the month we received very little communication from Stripe and had many support chats and calls. Keep in mind that the whole time Stripe was still accepting payments on our behalf on all of these accounts. Each of the chats/calls asked us to upload the same invoices each time for review and gave us vague information that our accounts were being reviewed. Finally out of frustration I posted on HN about my issue. Thanks to @dang for getting a Stripe employee to respond and he was finally able to resolve the issue for me.
Overall this review process was pretty bad. Very little communication and nothing I could really do directly to move things along or get any real information. It took a random Stripe employee to get an email from @dang and post on HN in order to get this issue resolved. I’m lucky because I know about HN and know that Stripe employees frequent the site, but I don’t think HN wants to become the Stripe support forum.
Stripe you can do better. We all know that in order to scale you need to automate pieces of your infrastructure and communication. But, there is a balance between automation and manual review. When someone like me gets caught up in an automated system there needs to be better ways of letting support help that person.
See my comments below for actual details and dates.
I have no insider knowledge of Stripe but I find it entirely plausible that Stripe will forever have cases like this. Serious fraud could cost Stripe hundreds of thousands, potentially even millions, and so there will always be cases that are out of the ordinary and don’t fit into the already defined processes. If you’re a low level employee, you do not want to take decisive action that costs Stripe a million dollars.
Stripe grows, fraud grows. Fraud is a cat and mouse game: the question should be, is Stripe effectively solving previously encountered problems? Given how much Stripe has grown, and how relatively consistent the number of complaints are, I’d say Stripe is doing a very good job.
I am sure Stripe could do a better job at handling these cases that fall through the cracks, but that’s a separate issue, because it ultimately comes down to having someone to take accountability and ownership of the risk. A month turnaround on this is totally reasonable.
But it was only resolved because of a post on HN. I would agree with you if Stripe actually had a way to escalate and resolve issues without making public posts on social media. Without HN's help, this issue would not have been fixed.
I get that stripe doesn't trust whatever subcontractor they use to answer the phones. But that person should be able to say "Yeah, shits fucked, I'll escalate the ticket to someone who can actually help".