[switknee]

>1 chargeback we received last month

>We refunded all of them

Was it a chargeback or a refund? It can't be both.

I'd assume one chargeback isn't enough to get your account banned though. There may be other factors, like one of your company officers sharing a name with a person the USA doesn't like.

I agree with the sentiment that you should have multiple payment processors set up in parallel so you don't lose any business due to this issue happening. Until you become big enough that they can't afford to do without your business, you'll be at risk of arbitrary suspension.

[markdoppler]

We had 3 people who confused the annual subscription with the monthly one, as the annual option was selected by default on the payment page.

Two of them contacted us for assistance, and we issued them a refund, but the other person simply filed a chargeback.

We believe that because the annual subscription amount is high, this chargeback triggered an automated bot flag, and we were marked automatically.

[1659447091]

> but the other person simply filed a chargeback.

I may have missed it, but did you respond to the charge back or simply let the deadline pass and the funds returned by default?

I am not an expert nor do I work with stripe; a few years ago I read through every document I could find to win a large chargeback vs a large corp. The company (you) has a deadline to reply to a dispute -- you can accept it or not. But not replying is one of the worst things to do as it can cause your rating to drop with the card networks itself. There was warning it could cause the loss of ability to take card payments from what I remembr. I forget all of the details. But that may be what happened if the dispute was left to default and an avenue to explore on what to do next.

[markdoppler]

Of course! I issued the refund without any problem just a few minutes after being notified. We never disputed any chargeback, but even so, our account was suspended.