[mlm]

I’m sorry that you had this experience. We vehemently agree that any one signal (such as IP address or use of a proxy) is a pretty poor predictor of fraud in isolation. We are trying to move the industry towards holistic evaluation rather than inflexible blacklists; not everyone behind a TOR exit node is a fraudster, for example.

While we can’t fix the previous experience you had, we’ve rebuilt almost every component of our fraud detection stack over the past year. We’ve added hundreds of new signals to improve accuracy, each payment is now scored using thousands of signals, and we retrain models every day.

We hope these improvements will help. We want our customers to be able to provide you services; that’s what keeps the lights on here. We’d be happy to look into what happened if you have specific websites in mind—feel free to shoot me a note at [e-mail].