You are contractually bound to comply with card network rules that you are not given the full text of and that can change without direct notice to you, creating a hidden compliance obligation that can result in account termination or fines if violated.
Businesses using Stripe may have their payouts withheld or placed in reserve for up to 180 days based on Stripe's unilateral risk assessment, potentially disrupting cash flow with limited recourse. Stripe can terminate or suspend accounts immediately, cutting off access to payment processing and potentially funds held in reserve. You can review and negotiate reserve terms before signing, and should maintain alternative payment processing arrangements as a contingency.