If they think the response from Stripe for fraud/spam/PBL was too harsh, wait until they see how their banking partners (Deutsche+Fargo) will handle that; if th

If they think the response from Stripe for fraud/spam/PBL was too harsh, wait until they see how their banking partners (Deutsche+Fargo) will handle that; if they can't even keep up a level of due diligence that's "clean" enough for Stripe, they'll eventually end up owing the whole company to the banks due to contractual penalties and cost of fraud. A big reason why companies use an outsourced card payment service instead of going directly for a merchant account with banks is the difficulty of handling fraud & spam well, which is horribly expensive unless you have got a major economy of scale. As a payment processor, your potential risk is larger than your turnover. And while Stripe might freeze part of your incoming funds, in this business you'll need significant upfront capital as collateral - which you'll lose if you're mediocre at handling fraud.