that explains it in general, thanks.

As for why would a company do this - to prevent fraud and abuse. If a customer signs up and uses a stolen credit card, who do you think is on the hook for that loss? Not the victim, not the bank - us.

I really thought the victim is the one on the hook for that loss, since the money cannot be send back

I’ll reiterate that Stripe did not arbitrarily force that on you, Racknerd did.

Why would any company put this on their customer if they have an option? Does it mean government and policy force the company to use stripe to verify their customers?