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The suspicious activity is disputed payments, which for SEPA DD (the main payment method used) can simply be that the customer has no money in the bank account.
by onion2k 4y ago
The suspicious activity is disputed payments, which for SEPA DD (the main payment method used) can simply be that the customer has no money in the bank account.
Sudden changes of circumstances like trading for 11 months and then seeing multiple declined payments from multiple parties does sound quite suspicious to be fair. I imagine Stripe have extensive amounts of data about that sort of thing. That's not to say Stripe are in the right here, but I can see why they wouldn't just assume their threat model is wrong based on your word that the payments are valid.
- nerder92 4y agoTo add another piece of context here, less than a month ago we receive this email from Stripe for the same account: Hello, We’re reaching out to notify you that some SEPA Direct Debit payments created between September 26th to October 4th incorrectly show as disputed when they actually failed. We have confirmed this issue is resolved, and SEPA Direct Debits created after October 4th 04:00 UTC will not incorrectly show as disputed. Please note that as SEPA Direct Debit is an asynchronous payment method, you still may see new disputes on payments created before October 4th. We have compiled a list of all currently-known payments impacted by this issue, which you can download by clicking this link: We will be refunding any charges for the affected payments and disputes. We are very sorry for any inconvenience this may have caused. If you have any further questions please let us know. —The Stripe team
- nerder92 4y agoIs speculation of course, but seems to me that their own mistake caused their fraud detection algorithm to go off summing up with the normal disputes that the gym receives (ie: insufficient founds)