Stripe 盗走了 8.5 万美元，还关闭了我们的账户。
1 分•作者: MelkerWendelbo•5 个月前
我是 Zorq AI（zorqai.com）的创始人，这是一家在瑞典注册的人工智能图像和视频生成平台（增值税号：SE070322571401，个体户）。 我们的 Stripe 账户（acct_1SQrls7Qarh4FjWe）在快速增长后于 3 月 28 日被关闭，理由是“不可接受的风险”。
具体问题：
Stripe 声明他们将在 5 天内向所有客户退款——不仅仅是存在争议的。 我们有 37,938 个成功完成的项目的交付证明。 这些客户收到了服务，并且从未抱怨过。 但 Stripe 仍然要退还他们的钱。
Stripe 支持部门以书面形式确认：“如果在符合条件的付款被退款后，仍有余额，则不会向您提供。”
当前余额：803,043 瑞典克朗（约合 85,000 美元）
关于我们为何出现争议的完全透明说明：
我们的 Stripe Webhook 处理程序受到 Cloudflare 的速率限制（429 错误），导致一些客户在付款后未收到积分。 我们已立即修复，所有受影响的客户都在当天解决了问题。
我们的基础设施提供商意外宕机，导致 25 小时的中断。 我们建立了一个恢复系统，与所有客户进行了沟通，并解决了每一个案例。
我们承认这些导致了争议。 我们已经解决了所有争议。
我们已经做了什么：
向 Stripe 提交了正式申诉，并附带了完整的文件
向 FSPO（爱尔兰金融服务和养老金监察员）提交了投诉——已确认，案件参考号 sco_UEX3UIwJO1BI2P
Stripe 投诉团队已启动正式调查（案件：sco_UEX3UIwJO1BI2P）
今天正在联系律师，讨论 PSD2 的影响
关于之前帖子中提出的合法性问题：
我们在瑞典注册（增值税号：SE070322571401）。 我们使用 Gmail 支持地址，并且缺少“我们是谁”页面——这是合理的批评，我们正在将其正式化，因为我们正在转换为 aktiebolag（瑞典有限责任公司）。 任何 Stripe 员工都可以验证我们的 Stripe 账户 ID acct_1SQrls7Qarh4FjWe。
有人在欧盟处理过 Stripe 撤销已完成交易的情况吗？ 有没有处理这些升级问题的 Stripe 联系人？
查看原文
I'm the founder of Zorq AI (zorqai.com), an AI image and video generation platform registered in Sweden (VAT: SE070322571401, enskild firma). Our Stripe account (acct_1SQrls7Qarh4FjWe) was closed March 28 citing "unacceptable risk" after rapid growth.<p>The specific issue:
Stripe has stated they will reverse payments to all customers within 5 days — not just disputed ones. We have delivery proof for 37,938 successfully completed jobs. These are customers who received the service and never complained. Stripe is returning their money anyway.
Stripe support confirmed in writing: "If a balance still remains after eligible payments have been refunded, it will not be made available to you."
Current balance: 803,043 SEK (~$85,000 USD)
Being fully transparent about why we had disputes:<p>Our Stripe webhook handler was rate-limited by Cloudflare (429 errors), causing some customers not to receive credits after payment. Fixed immediately, every affected customer resolved same day.
Our infrastructure provider went down unexpectedly, causing a 25-hour outage. We built a recovery system, communicated to all customers, and resolved every case.<p>We acknowledge these caused disputes. We have resolved all of them.
What we have done:<p>Submitted formal appeal to Stripe with full documentation
Filed complaint with FSPO (Irish Financial Services and Pensions Ombudsman) — acknowledged, case reference sco_UEX3UIwJO1BI2P
Stripe complaints team has opened a formal investigation (case: sco_UEX3UIwJO1BI2P)
Contacting lawyers today regarding PSD2 implications<p>On legitimacy concerns raised in previous thread:
We are registered in Sweden (VAT: SE070322571401). We use a Gmail support address and lack a "who we are" page — fair criticism, we are formalizing as we convert to aktiebolag (Swedish LLC). Our Stripe account ID acct_1SQrls7Qarh4FjWe can be verified by any Stripe employee.
Has anyone navigated Stripe reversing completed transactions in the EU? Any contacts at Stripe who handle these escalations?