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These cancellations appear to take effect with little or no warning, and merchants report difficulty resolving the unprocessed payments in a satisfactory and efficient manner.In the second case, merchants express confusion over their payments being held in a reserve account.

Note: We have adjusted this company’s BBB rating according to our own standards.Merchants are encouraged to carefully read Stripe’s terms of service before signing up for credit card processing through this company.Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners.In one scenario, merchants apply for processing with Stripe and are informed that they are approved and ready to go.After processing one or more transactions, these merchants find that their payments have been frozen and their accounts cancelled due to their business’s engagement in prohibited activities of some kind.This is a common fraud prevention practice that we don’t tend to penalize processors for, but it seems that Stripe does not effectively communicate its reserve policies to merchants or warn them when a cash reserve might be withheld.

Merchants should be aware that Stripe reserves the right to “change the Payout Schedule or suspend payouts to your Bank Account should we determine it is necessary due to pending disputes, excessive or anticipated excessive Chargebacks or refunds, or other suspicious activity associated with your use of the Service or if required by law or court order,” according to its terms of service.

I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account.

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Founded in 2010, Stripe (stripe.com) is a web application that allows merchants to accept credit card payments through their websites.

The service is particularly tailored to merchants with web development skills who want to customize it according to their specific payment needs, and its capabilities include billing on a recurring basis, accepting bitcoin, and facilitating payments on marketplace-style platforms.

Stripe has also received 54 negative reviews on its profile, although it should be noted that these reviews are not subject to verification by the BBB.