We work hard to avoid
ever inconveniencing legitimate businesses (and are constantly iterating on our processes to make it less likely that we do so). I suffered at the hands of many of these processes from other companies in the past; part of the point of starting Stripe was to do a better job on this front. However, thousands of new companies launch on Stripe every week and many of them
do intentionally breach our terms of service (or commit outright fraud). So, it's a tricky exercise. I pay a lot of attention to individual cases where we ever make mistakes (and make my email address very public) to try to ensure that we rapidly repair any false positives that do occur.
We'd love to investigate any issues you may have had with your card. Feel free to email me and/or mlm@stripe.com (who helps to build our machine learning fraud models that detect our merchants from fraud) and we'll take a look.