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Lastly, we need to be careful regarding the financial risks that different businesses may pose to their customers or to Stripe. In our ideal world, businesses using Stripe needn’t worry about how payment systems are implemented underneath the hood.

Wherever possible, we eschew risk assessments based purely on categorical labels.Through our partnerships, we are bound to uphold those requirements.In addition, we must also—of course—uphold the laws of the countries we operate in.Businesses in these categories are not inherently problematic, but might need extra scrutiny or extra help in preventing fraud.Financial institutions and payment networks care about the brand and reputational risk that associated businesses pose.

As a result, the decision to support a business is not solely up to Stripe; it involves the various financial companies in the credit card processing chain.