FWIW, I've been running our business on Stripe for four years, and we've been hit with all sorts of legal threats by the government, individuals, and other comp

FWIW, I've been running our business on Stripe for four years, and we've been hit with all sorts of legal threats by the government, individuals, and other companies (we're also currently suing the CIA). I couldn't recommend them more highly, based on our own experience and talking to others in the space. We've done full refunds, partial refunds, and had one unfortunate chargeback with zero problems. Their customer service has always been incredibly fantastic, and the money is in our bank two days after it gets charged. The one issue we've had is that they given super vague answers when our users trip their fraud detection algorithm, simply stating the "charge was declined" and telling us to check with the user's bank, when it was actually the fact that the user had been using the card via a Tor proxy in Nigeria. I think the security opacity is understandable, and each time they helped us work through the issues. tl;dr: I'm sympathetic to the poster, but Stripe seems to do whatever they can to get the money to you quickly, and their customer support has been great despite running a business with customers that regularly use Tor, fake names, etc.