Isn’t Gumroad runs on top of Stripe itself?

Looks like that might be the case. I might have been confusing Gumroad with Braintree. I was only attempting to give an example, not advocating for one specific processor.

An alternate processor while stripe figures out the mess - revenue keeps coming in.

Gumroad has their own failures, but if ANY issue with payment processing is intolerable, don’t bother running a business.

In this case, it’s likely that they have set up recurring SEPA debit payments. Changing the payment provider won’t keep the revenue coming in - it would require every customer to sign up for debit again. And when stripe figures out the mess, you need to consolidate the two providers or you’ll end up debiting twice.

I wonder of a health club is preventing account cancelation, playing games, and end users are doing chargebacks.