I wouldn't worry about this seriously. Do companies shut down accounts, yes. Do they do it poorly sometimes, yes. Should you always make sure your business i

I wouldn't worry about this seriously. Do companies shut down accounts, yes. Do they do it poorly sometimes, yes. Should you always make sure your business is protected against ANY third party service you use, yes. Does that mean you should avoid using these services, no. You don't know the full story to these cases, you don't know what the person was doing/sending for fact. All we have is a shaming event posted on HN or reddit etc. Not saying the companies are right here, but you are considering things to be fact based on one side of the story and generally no actual facts beyond someone's statements. Someone stating something doesn't make it a fact, it is an opinion, proof is much different. I have heard this about Stripe many times saying they shut down accounts, or Square as another example. I had my own situation where Square held up a little more than 20k in payments until I proved some details about my business. I did what they asked and had my money released in 24 hrs because I was within the terms of service and I had facts. 9 out of 10 times when people have these issues they are outside the terms of service or are playing loose with facts. There are exceptions of course too, myself and many others have posted proof/facts around Paypal's deceitful practices of holding money even when you are within the terms of service and have called them ahead of time as required for certain events/transactions. Also, just as a note, sometimes companies must act based upon legal situations and do something that they normally wouldn't. This happens more often in the U.S. when a company is dealing with foreign individuals or companies and not its own citizens. This is similar to any other Country and their governments enforcing their laws/rules, except at least in the U.S. there generally is some court involvement which provides some checks and balances.