Re:Stripe has decided to nuke my entire business
by JohnFen on Thursday September 15, 2022 @01:36PM
(#32855596)
> If they are too transparent about exactly how they detect a problem, that makes it much easier for the criminals, scam artists, and dodgy merchants to get around TOS enforcement.
I get that, but I don't see how actually telling people what term of service was violated gives too much leverage to the bad guys.
Re:Stripe has decided to nuke my entire business
by wpietri on Thursday September 15, 2022 @02:54PM
(#32856809)
Neither do I, but I wouldn't expect to see it without really understanding the bad actors and what they're up to. So this could be their best effort. Or it could be that they're just going with a blanket "say nothing" policy because it's too hard to create a more nuanced policy that the CSRs can apply consistently. Or it could just be laziness and a lack of customer focus. It's impossible to say from the outside.
The real culprits here are the people trying to violate the TOS, plus everybody's desire for cheap services and easy onboarding. The historical alternative was very expensive setup (e.g., spend a few years building a relationship with your local bank branch manager and establishing a financial track record). Making it easy to get started means that most problems will show up down the road, and the lower merchant costs means less money to pay for smart people to carefully untangle the truly dodgy from accounts that just look that way.