It seems insane that money transmitters have so little oversight, it’s pretty much conventional wisdom at this point: “their API is nice, but you’re playing Russian roulette with your money by using them”
I cannot guide you to alternatives, but I can only give you my absolute honest advice: DO NOT USE STRIPE.
I have personal experience with stripe just withholding money, citing "risk", and then just not responding to support emails. The money was eventually released, about 5 months later, it did however kill the business.
Everyone is always thinking (and to be honest I probably would have myself aswell) that "those guys did something shady" "if you just run an honest business, this wont happen to you". But I can say that no, there was NO shady business involved, nothing even remotely close, we used them for a long time, and boom one day they email saying they are halting payouts due to "risks", and then theres nothing you can do. You cannot talk to a human, you can mail, and then after a bit of that, they just stop aswering, maybe answering one of the daily mails every few weeks or month, just saying "we will look into it" and such.
I am sure most people use stripe without any issues, but it is a roulette, and my advice to you (and anyone else) is: avoid it even if it costs some money. How much will it cost you if you eventually hit the wrong barrel in the revolver? This is a game you play every single day when using stripe, and there simply is no recourse unless you are big enough to funnel endless money into lawyers. We were not.
Again, I cannot recommend any solution in particular, but I know that for my sake, and this is not just stripe at this point, if I cannot call up a human with ability to escalate to someone in authority(even if its paid support), Its simply too risky to deal with. Ideally i'd like to be able to show up in person, though I understand that thats not always possible
Seriously, take it from someone who drew the short straw, YOU DO NOT WANT THAT
I don't want to play the roulette