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Ask HN: Is it still safe to use Stripe?

40 点作者 lab超过 2 年前
I heard a lot of shaky news over the past year from Stripe&#x27;s customers: [0], [1], [2]<p>Now there&#x27;s news about the whole Stripe raising more money [3], [4], [5], eyeing an exit within 12 months.<p>What does this mean for Stripe customers now and 12 months from now?<p>I would like my payment infra to be stable, boring, and profitable&#x2F;sustainable. But the news is giving me mixed impressions...<p>[0] https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=32261868<p>[1] https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=32854528<p>[2] https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=34233011<p>[3] https:&#x2F;&#x2F;www.nytimes.com&#x2F;2023&#x2F;01&#x2F;30&#x2F;technology&#x2F;stripe-thrive-funding.html<p>[4] https:&#x2F;&#x2F;techcrunch.com&#x2F;2023&#x2F;01&#x2F;27&#x2F;fintech-stripe-tried-to-raise-more-capital-at-a-55b-60b-valuation&#x2F;<p>[5] https:&#x2F;&#x2F;techcrunch.com&#x2F;2023&#x2F;01&#x2F;26&#x2F;fintech-stripe-eyes-an-exit&#x2F;

6 条评论

tobinfekkes超过 2 年前
I use to love working with Stripe, but it turned from being an asset to a liability. Far too risky to have my payments infra stuck behind a company that will arbitrarily cut you off with no support, or worse, actively use &quot;terms&quot; and &quot;our policy&quot; to not support you<p>I moved all my clients off Stripe as a precautionary measure, and now in the process of moving our last Stripe account with 100+ Stripe Connect accounts away. It eventually just got to be comical how infuriating their ability to dodge responsibility became, or even just simply being helpful; i.e. &quot;we can&#x27;t unblock those payments or that account, it&#x27;s just our policy because x,y, and z&quot;, or &quot;we can&#x27;t tell you what your transaction threshold is, or where you are at in it, and we can&#x27;t increase it, or let you check via the API&quot;. IF YOU CAN&#x27;T DO ANY OF THAT FOR ME, WHY AM I PAYING YOU AND WHO DID YOU BUILD YOUR SYSTEM FOR? Answer: not you or me.<p>Stripe is a great way to get something quick and dirty off the ground, but you better have a plan or timeline from day one for replacing it.<p>Treat it like eating McDonalds. It&#x27;s fine as a one-off to get you through a hard time, but as soon as you depend on it, you&#x27;ll be in a world of hurt with no one else to blame.
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gorbypark超过 2 年前
I’m a one man dev shop but in an app I’m developing I decided to implement payments with two (or more!) processors with the ability to set a weight for each. It hasn’t launched yet but the current plan is to have about 90% or so of transactions flow through Stripe with the other 10% being a “hot backup”, more or less. If anything happens, I can just flip over to the other processor. I decided to actually have the second processor take a small amount of payments so there is less of a risk of it not working seamlessly in the event of a crisis with Stripe. It’s going to cost slightly more in transaction fees but I think it’s worth it.
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remus超过 2 年前
Just a single user, but I&#x27;ve found stripe to be stable and boring. Just how I like it!
rvz超过 2 年前
&gt; What does this mean for Stripe customers now and 12 months from now?<p>It means that it will become just like PayPal. I would not sit on one payment gateway in the long run.
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iuvcaw超过 2 年前
Why would raising another round or going public cause concern?
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halotrope超过 2 年前
Just onboarded an app and had to go trough a fairly arbitrary verification process for weeks. Does not feel safe at all specially if you use their subscription. Are there good alternatives for SaaS payments?