Do you mind giving more information? I've mostly heard good things about Stripe about things like their documentation and APIs. I'd love to hear stuff contrary to that. I personally don't use Stripe either but I'm interested in hearing your reasons so we don't go through a lengthy migration that ends up biting us in the back.
I worked for a company which is selling a tool that allows windows users to spoof unique identifiers of their computer. A lot of software these days grabs MAC addresses, disk and monitor serials in order to identify users.
So, this tool just hooks into the windows kernel, and returns made up identifiers when a program requests them via the windows API. It does not change any files on the user's disk, and it does not modify any other programs in RAM. Literally the only thing it does is hooking the kernel like a 3rd party anti-virus. It is basically like the "randomize MAC address" and "change advertising identifier" on modern smartphones. Just for windows.
They stopped the payouts, as this tool was deemed as a "restricted product".
The cited point as the reason of the termination is the following:
> Compliance with Applicable Laws: You must use the Services in a lawful manner, and must obey all laws, rules, and regulations (“Laws”) applicable to your use of the Services and to Transactions. As applicable, this may include compliance with domestic and international Laws related to the use or provision of financial services, notification and consumer protection, unfair competition, privacy, and false advertising, and any other Laws relevant to Transactions.
As it came to light, a 70bn company namely Activision filed a lawsuit and subpoena against us as the tool is used to bypass their (poorly) implemented anti-cheat. Nothing had been decided in court yet (whether the product is unfair competition or piracy), but stripe still chose to just kill the account for our core product.
I'm glad that they didn't lock away the money for 180 days minimum like PayPal usually does. Employees need to be paid, and this just sucks for everyone.
Documentation is amazing, dashboard is amazing, pricing is high, you have to have a lot of volume before they will consider lower rates and/or removing/lowering the flat per-transaction fee. I'm also migrating away. Another reason I'm leaving is in-person payments. They have moved forward on that front but their offering is still pretty lacking. Lastly other processors will profit-share with you much earlier, stripe will do it but again, you have to have a lot of volume first.
