stripe closed the account for "business model risk" and froze the payouts

one email from stripe can switch off your income, and it won't say what you did wrong it happened to MacWall, an indie mac app, a few weeks ago the founder posted that they'd had thousands of successful payments and one $3.99 chargeback stripe closed the account for "business model risk" and froze the payouts 5 days and 10+ emails later, still no named policy in 2024 it was NotchNook. about 7,700 sales, 7 disputes, and roughly $100k held both were legit apps with paying customers the weak spot was that every dollar they made ran through one account, and someone else held the off switch if you're doing $25k+ a month, this is what i'd have in place before that email ever lands: 1. a second checkout, approved and tested, ready to switch on the same day 2. your customer list exported somewhere you own, with plans and renewal dates 3. payouts landing daily, so a week of revenue never sits in one balance 4. dispute alerts on, so a $3.99 refund request gets refunded before it becomes a chargeback 5. one folder with your refund policy, product pages and invoices, ready for any reviewer who asks money already in stripe would still get held, but you'd be taking sales again the same day (if you want a second checkout ready before you need one, we set it up on whop for free, link in bio for an audit)