I did not switch to Mollie because I love it. I switched because one morning I woke up to this email from Stripe:
We recently identified payments on your Stripe account for htpbe.tech that don't appear to have been authorised by the customer. This means that the owner of the card or bank account didn't consent to these payments.
The product is htpbe.tech — a tool that detects whether a PDF has been edited. The name is the question: Has This PDF Been Edited? It's forensic document analysis. To a risk classifier that reads keywords, "fake document detection" sits one embedding away from "fake document creation." I'm fairly sure that's how I got flagged — not by a human, by a model that saw the wrong neighbourhood.
The email gave me five business days to appeal: fill in a form on the dashboard, explain the business, ask for another review. So of course I believed it was a misunderstanding, and I sent everything. A fully legal Finnish company. A registered developer. Stripe's own certification courses. Tax records. There is nothing fraudulent in this business to find — it's about as clean as a business gets.
Eight seconds after the upload finished, the verdict came back:
