903 karma · joined June 12, 2010
An issue you have in many forms (e.g.: login form) is that there is limited data to decide if it's a real user or a bot.
- The QR code to pay didn't work with the binance app
- Had to find a way to copy the hash tag of the account from desktop to mobile to pay (luckily if you have a macbook pro and iphone this is easy)
- Initially chose the incorrect network for payments on binance so the transfer didn't go through. Had to read online which network to select.
With a card payment is normally just putting the cards details and in a few cases do an additional authentication.
Most of those services also let clients setup their own domain name, so a ban is a more of a inconvenience to deal, than business critical like in OP case.
What I suggest is for your and your clients to contact Meta through the Business Center support. Their support for paying clients is much better. I would also recommend you become a Meta Business Partner if Facebook/Instagram is important for your SaaS.
For a long time they dealt with the free accounts, so in a way they have already a lot of protections in place, and if they wanted they could keep the existing free accounts and just not accept further signups for this account type.
Additionaly stripe charges their 2.5% to 3% + 2% conversion fee making it impossible some business models that are low margin.