That’s a solid breakdown, but it leaves me wondering, if Stripe really “knows” and flags accounts mostly based on legitimacy, how do you explain cases where perfectly legit whitehat businesses still get frozen without warning?
Could it be that factors outside of the setup, like industry type or sudden payment patterns, play a bigger role than you’re giving credit for?
And if that’s the case, wouldn’t even a textbook-perfect structure still carry significant risk depending on your niche?