Stripe for High Risk

A little backstory:
I had used stripe years ago for over a year with no issues, but I had my account banned because of the % of chargeback increase and my business considered being of high risk. I tried creating other accounts but eventually they also got banned. I have moved to PayOp and been using it normally for 1 year before realizing that it never accepted any payments from the US, and it has an annoying verification system for purchases. I want to return to stripe but I dont know how to avoid getting banned and set it up correctly.

In the line of business I have many competitors that are selling the same thing and using stripe in sellix and shopify with no issues for over a year now that I am confused how they manage to keep it running like that. I am looking for some advice on how I can run stripe again on a new website and perhaps if I need to use a proxy and such cause they would recognize a previous ban they had of my business.

Any advice are welcome

Same question. Selling products on website with stripe. As i know, they can ban account if chargeback rate > 1%, have no idea what to do with that

Question is what are you selling? I sell VPN subscriptions which is considered high risk industry due to the intent of some individuals. I was at 1.3% chargeback last year, they sent me a business verification questionnaire which ruffled me a bit, it forced me to strenghthen the security on my checkout page to reduce and prevent chargeback. Since then it dropped to 0.45%. Here are some things I implemented:

- Cloudflare rate limiting on stripe callback php page
- Disabled user ability to delete credit cards on file to prevent stolen card churn rate
- Allow user to add max 2 credit cards on file
- Enabled Maxmind minifraud module to block anonymous/VPN IP or mismatch billing/credit card country.

Think about it guys for a second, If you guys are selling products, and some how you are getting more than 1% chargebacks, something is wrong with your Customer service obviously.
Now what's even weirder is that the fact is that you should win 99% of the disputes that people are claiming against you guys. especially when we are talking about physical Items.
Its not Stripe its you Guys...

Agreed. Physical products are easier to dispute because there is a paper trail to follow. Online services such as VPN are tricky.

It's all about customer service , display a terms of service on checkout so customers are clearly aware of your return policy.

Offer free trials to test the product before purchasing.

Many ways to being disputes rate down.

Generally you have a 25% chance of winning.

John_d13 said:

Question is what are you selling? I sell VPN subscriptions which is considered high risk industry due to the intent of some individuals. I was at 1.3% chargeback last year, they sent me a business verification questionnaire which ruffled me a bit, it forced me to strenghthen the security on my checkout page to reduce and prevent chargeback. Since then it dropped to 0.45%. Here are some things I implemented:

- Cloudflare rate limiting on stripe callback php page
- Disabled user ability to delete credit cards on file to prevent stolen card churn rate
- Allow user to add max 2 credit cards on file
- Enabled Maxmind minifraud module to block anonymous/VPN IP or mismatch billing/credit card country.

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Have you started your own company to use Stripe? Aren't there any other payment processors that would be a good fit as well?

Donald Britt said:

Have you started your own company to use Stripe? Aren't there any other payment processors that would be a good fit as well?

Click to expand...

We use Stripe, Braintree, FastSpring and Paddle. From our experience fastspring is the most forgiving in terms of chargeback rate. Their rates are generally higher bc the fraud protection is not as good as Stripe (fraud for teams).