Kicked off Stripe?
Kicked off Stripe? Your subscriptions don’t have to die with your account.
If it just happened
First 72 hours: what actually matters
Four things to get right before anything else, in the order they cost you money.
- 01 · Payouts
Your balance is frozen, not gone
Stripe typically holds funds against disputes, then releases on a schedule. Don’t burn days fighting it first.
- 02 · Rebills
Your subscriptions are the fire
Every renewal that hits the dead account fails silently. Priority one is getting rebills flowing somewhere else.
- 03 · Tokens
Your customer tokens are recoverable
Stripe supports token export to a qualified provider. We run that migration routinely; your customers never re-enter a card.
- 04 · Placement
Don’t panic-sign with a “guaranteed approval” shop
A bad rebound placement gets shut down again in 90 days. Take the extra day to be placed where your category actually boards.
What PaymentKit does about it
Live again in days, protected for good
Token migration out of Stripe
We vault your customer payment credentials (cards, Apple Pay, Google Pay) independently, so they work across processors and no provider can hold them again.
Fast migration
Stripe-compatible webhooks and APIs mean your existing integration logic mostly carries over. Our own portfolio brands have integrated in 2–3 days.
New processing, properly placed
Through our partner network of banks and processors, we place your business with accounts that fit your category, including a backup MID so there is no single point of failure.
Routing and cascading
Every transaction goes to the processor most likely to approve it; failures cascade automatically to the next route.
Stay off the radar permanently
Dispute-ratio management across accounts keeps you under VAMP and monitoring thresholds, and AI dunning recovers the failed payments that would otherwise inflate your ratios.
Got a warning instead?
A reserve increase or monitoring notice is the warning sign you can’t ignore
If Stripe raised your reserve, flagged your fraud ratio, or put you in a monitoring program, you have something the shutdown crowd doesn’t: time. Use it to vault your tokens independently and bring a second processor live while your account is healthy.
If the shutdown never comes, you’ve gained auth-rate lift from routing. If it does, it’s a non-event.
One real example
A subscription brand we work with had its US Stripe account closed with 1,100 active subscriptions on it.
- 1,100active subscriptions on the account Stripe closed.
- 1 dayto redistribute checkout traffic to the other processors.
- Rebills kept billing, because the tokens and billing logic lived in PaymentKit, not in the dead account.
Keep Stripe, lose the dependence
This is not about leaving Stripe
Stripe is a good processor and most of our merchants keep it in their stack. The fix for a Stripe shutdown is not “find a different single point of failure.” It’s owning your tokens, running more than one processor, and letting routing decide where each payment goes.
PaymentKit makes Stripe one healthy option among several instead of the thing that can kill your business.
Proof
- 20+subscription brands run by the operators who built PaymentKit, on this exact setup.
- 10%+authorization-rate lift for merchants switching from legacy billing platforms.
- 2–3 daysto integrate, measured on our own brands. Days, not months.
Request placement review
Tell us about your business
Two minutes. A real person reads every inquiry, and the more candid you are about history and prior submissions, the faster and more accurate our answer.