Stripe 偷了 85,000 美元并关闭了我们的账户。
我是Zorq AI（zorqai.com）的创始人，这是一家注册于瑞典的人工智能图像和视频生成平台（增值税号：SE070322571401，个人企业）。我们的Stripe账户（acct_1SQrls7Qarh4FjWe）在3月28日因“不可接受的风险”被关闭，原因是快速增长。
具体问题如下：
Stripe表示，他们将在5天内向所有客户退款——不仅仅是争议款项。我们有37,938个成功完成工作的交付证明。这些客户已经收到了服务，并且从未投诉，但Stripe仍然会退还他们的钱。
Stripe支持团队书面确认：“如果在符合条件的付款退款后仍有余额，该余额将不会提供给您。”
当前余额：803,043瑞典克朗（约85,000美元）
我们完全透明地说明为何会产生争议：
我们的Stripe webhook处理程序被Cloudflare限制了请求频率（出现429错误），导致一些客户在付款后未能收到积分。我们立即修复了这个问题，所有受影响的客户当天都得到了处理。
我们的基础设施提供商意外宕机，导致了25小时的停机。我们建立了恢复系统，通知了所有客户，并解决了每一个案例。
我们承认这些问题导致了争议。我们已解决所有争议。
我们所做的：
- 向Stripe提交了正式的申诉，并附上完整的文档
- 向FSPO（爱尔兰金融服务和养老金监察专员）提交了投诉——已确认，案件参考号为sco_UEX3UIwJO1BI2P
- Stripe投诉团队已启动正式调查（案件：sco_UEX3UIwJO1BI2P）
- 今天联系律师，讨论PSD2的相关影响
关于之前讨论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，并缺乏“我们是谁”的页面——这是合理的批评，我们正在转型为aktiebolag（瑞典有限责任公司）时进行规范化。我们的Stripe账户ID acct_1SQrls7Qarh4FjWe可以由任何Stripe员工验证。
有没有人处理过Stripe在欧盟撤销已完成交易的情况？有没有在Stripe处理这些升级问题的联系人？
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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?