You have a choice when you partner with a payment gateway. You can work with a laissez-faire gateway. It will not exist for long, because your company will be

You have a choice when you partner with a payment gateway. You can work with a laissez-faire gateway. It will not exist for long, because your company will be people who figured out they're not complying with various laws, so they will either disappear without a trace, or in the worst case scenario, take you down with them. You may end up having to explain to various authorities what you were doing. Or, you can work with one that's serious about AML/KYC compliance. This means sometimes your account gets flagged for suspicious activity, and you have to play by their rules to get it back. Depending on the provider, they may actually have some ways for you to get your account back, or they won't be bothered. Stripe is in the category of providers that will actually work with you to get your account back, but they're certainly not perfect. On the other hand, try something like Paypal and you're screwed. Or go with a different big player and find out how much nobody cares about you and the $40 a month of revenue you bring them. Every time I hear some horror story about Stripe, either the account is back up and running very quickly, or the business was doing something egregiously bad. YMMV, this is just the professional opinion of someone who has been working in FinTech for a long time, and with Stripe for quite some time too.