Whether Stripe terminated your account, is holding your reserve funds, or you lost a chargeback dispute — generate a professional demand letter that cites California law and Stripe's Terms of Service.
Stripe is headquartered in San Francisco. A letter from a California attorney citing California law gets attention.
Stripe, Inc. is a California corporation. When you send a demand letter citing California's Unfair Competition Law (Bus. & Prof. Code 17200), money transmission regulations, and their own Terms of Service, Stripe's legal team takes notice.
Unlike a support ticket that disappears into a queue, a formal demand letter creates a documented legal record. Many disputes that seemed hopeless through normal channels resolve within weeks of receiving attorney correspondence.
Stripe's legal department is based in San Francisco. A demand letter from a California-licensed attorney signals serious intent and local jurisdiction expertise. The letter reaches executives who can actually authorize fund releases and account reinstatements — not just support agents reading scripts.
Key insight: Stripe processes billions in transactions. They resolve meritorious disputes quickly to avoid regulatory scrutiny and costly litigation in their home state.
These are the most frequent issues merchants face with Stripe. Each has specific legal leverage points.
Stripe closed your account citing "high risk" or "TOS violation" with no specifics. You deserve an explanation and opportunity to cure before losing your payment processing.
Most CommonStripe is holding a percentage of your revenue in "reserve" with no clear release date. Some merchants have funds locked for over a year. This may violate money transmission laws.
High ValueYou submitted compelling evidence but Stripe ruled against you anyway. The chargeback process often favors cardholders, but procedural errors can be challenged.
Unexpected fees, rate increases without proper notice, or charges that don't match your agreement. Fee disputes can often be recovered through formal demand.
Your payouts are stuck "pending" or "under review" for weeks or months. Stripe must provide reasonable timelines for fund releases.
Stripe keeps requesting more documents with no end in sight. There are limits to what they can reasonably demand before releasing your funds.
Build a professional demand letter tailored to your specific dispute. Free to generate, with optional attorney review.
The generator asks about your specific situation: account type, dispute reason, amounts involved, and timeline. Takes about 5 minutes.
Based on your answers, the system constructs a professional demand letter with the right legal citations, tone, and structure for your case.
The letter references California statutes, money transmission regulations, and specific sections of Stripe's Terms of Service that apply to your dispute.
Use the letter as-is, or have me review it for stronger positioning. I can also send it on law firm letterhead for maximum impact.
The generator is free. Answer a few questions and get a professional demand letter in minutes.
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My Trading Technology Legal Hub covers money transmitter licensing, FinCEN registration, and regulatory compliance for payment processors and trading platforms.
Visit Trading Legal Hub →I'm Sergei Tokmakov, a California-licensed attorney focused on payment processor disputes, fintech issues, and business contract matters. I've helped over 1,800 clients navigate disputes with companies like Stripe, PayPal, and other payment platforms.
My approach is practical: get your money back as efficiently as possible. Most Stripe disputes resolve without litigation once a proper demand letter reaches the right people.