I’ve created a hundreds of Stripe accounts over the years, and yeah, I’ve also had a lot of them banned. I’ve tested pretty much everything: proxies, nominee corps, burner devices, tricks people share in groups, most of it doesn’t work anymore, or never did.
What I see a lot on forums is people giving advice that sounds smart but clearly comes from zero real experience. It’s usually copy-pasted from somewhere else or theory that doesn’t hold up in practice.
At the same time, I’ve seen regular people, like fitness coaches, digital product sellers, small ecom, running Stripe accounts with no issues for years. And they’re using the exact same structure a lot of blackhatters are trying to fake. So you’ve got to ask: why are they still live and others get banned in days?
The answer is simple. Stripe knows. They know who’s legit and who’s trying to cut corners. So the only way to stay alive is to build it properly, the same way a real whitehat business would. If you do that, it works. If you try to trick them, you’re already dead.
Here’s the full setup. No fluff, just what works.
1. Identity
Use your own name if you’ve never touched Stripe before. If not, you’ll need a friend or a nominee. Just make sure the person hasn’t had a banned account in the past. That stuff doesn’t go away, it’ll follow the name and kill your new setup instantly.
I also suggest avoiding people over 55. It’s not a strict rule but in my experience it tends to trigger more verification. Not worth the risk.
2. Company setup
Best route is UK LTD. It’s fast and cheap. You can register it yourself on the UK government website, no need to pay a service.
Cost is £50 and it can be ready the same day if you register early in UK time.
If you don’t need to receive physical mail, you can use any UK address, (input Starbucks/Burger King and name of a city) they doesn’t verify it. If you want to receive mail (for example, to get a physical debit card), then use a virtual office with mail forwarding. Plenty of services out there that offer this.
3. Business bank account
Use Wise. It’s straightforward, and it works. In the case freeze your account, they release the funds, especially if you spam them on Twitter. Other options exist, but Wise is the easiest and safest starting point. Other banks keep your funds forever.
Make sure the company name and the Wise account holder match exactly. Stripe will check that.
If your computer or IP has ever touched Wise before, use Octo Browser and a clean UK proxy. If not, regular setup is fine.
Here’s where most people mess up: to activate your Wise account and get the bank details, you’ll need to make a small payment. The card you use must match the account holder’s name. If you don’t have access to that, use PayWithMoon. Fund it with USDT or BTC, and you get a virtual card that doesn’t have a name attached to it. You can input any name/address and it goes through fine.
If setup is good, you’ll get your bank details in a few hours. If it takes longer than 24h, something’s probably wrong and you will probably have issues when you receive funds.
After that, you can request a physical card or just use the virtual one.
4. Website
You don’t need anything fancy, but it needs to look like a real business.
Make sure the company name, registration number, address, phone number, and email are visible, either on the homepage or in the footer. Ideally, use a domain-based email that matches the site. If not, at least make sure the email you register with on Stripe appears somewhere on the website.
5. Stripe account setup
This is the most common failure point, and usually not because of docs, but because people use dirty devices and IPs.
If your laptop has ever been used for Stripe, don’t use it. Either buy a cheap clean one, or borrow a device that’s never touched Stripe. That first creation step is critical.
Also, do not use a proxy to create the account. That worked up until late 2023. Now it’s a quick way to get flagged, either immediately or right after your first few payments.
Create the account using a clean IP and a clean device. It doesnt matter if it is not UK, as long as it matches the owner residence address. Once it’s live and STABLE (some weeks of processing), you can manage it from Octo + proxy on your dirty device, but not before.
If Stripe asks you for selfie KYC right after you register, it’s over. That account is already flagged and it will be banned soon. A clean setup won’t trigger KYC until you’ve processed at least £10–20k.
One more important thing: the payments you process must come from the same domain that you registered with Stripe. If you set up Stripe with domain1.com and start sending payments from domain2.com, they’ll catch it, and the account will get flagged or banned. Keep everything consistent.
6. Processing payments (the "warmup")
There is no warmup.
That’s one of the biggest myths I keep seeing, people saying to run tiny test charges for weeks before scaling. Doesn’t matter. If your setup is good, you can do £500–1,000/day from the beginning.
What Stripe cares about is stability and legitimacy. So keep volume steady, don’t go from £300 one day to £5,000 the next. Avoid spikes. Avoid refunds. Avoid chargebacks.
Most important of all: don’t run fake payments or cards you control. Don’t test payments with your own Visa, even if you change the name and IP. Stripe will know. I’ve tested this in every way, they catch it, and the account dies.
Just run real whitehat sales. Deliver your product or service properly. Offer great support. Refund any problem customers without hesitation.
If you’re not profitable in the beginning, that’s fine. What you’re building is an asset. A clean, verified, high-trust Stripe account is worth more than any short-term cash grab. Once it’s aged and solid, you can decide how to play.
7. Instant payouts
If you follow everything right, your account will get instant payouts automatically on day 61 after the first transaction.
To get the max limit (which is £7,500/day), you need to have processed somewhere around £20–25k total. It’s not exact, but that’s what I’ve seen across multiple accounts.
You don’t need to ask support or apply. It’ll just appear on your dashboard.
Use this feature carefully. Don’t drain the full amount every day, it raises red flags. Most legit businesses barely touch instant payouts. Save that kind of behavior for when you’re ready to cash out or let the account go.
That’s pretty much it.
You don’t need farming setups or crazy warmup strategies or fake traffic. You just need to set it up right, like a real business would.
If you do that, the account will hold. If you skip steps or cut corners, it’s going to get clipped.. simple as that.
If this helped you, cool. I’m here to answer any questions.
What I see a lot on forums is people giving advice that sounds smart but clearly comes from zero real experience. It’s usually copy-pasted from somewhere else or theory that doesn’t hold up in practice.
At the same time, I’ve seen regular people, like fitness coaches, digital product sellers, small ecom, running Stripe accounts with no issues for years. And they’re using the exact same structure a lot of blackhatters are trying to fake. So you’ve got to ask: why are they still live and others get banned in days?
The answer is simple. Stripe knows. They know who’s legit and who’s trying to cut corners. So the only way to stay alive is to build it properly, the same way a real whitehat business would. If you do that, it works. If you try to trick them, you’re already dead.
Here’s the full setup. No fluff, just what works.
1. Identity
Use your own name if you’ve never touched Stripe before. If not, you’ll need a friend or a nominee. Just make sure the person hasn’t had a banned account in the past. That stuff doesn’t go away, it’ll follow the name and kill your new setup instantly.
I also suggest avoiding people over 55. It’s not a strict rule but in my experience it tends to trigger more verification. Not worth the risk.
2. Company setup
Best route is UK LTD. It’s fast and cheap. You can register it yourself on the UK government website, no need to pay a service.
Cost is £50 and it can be ready the same day if you register early in UK time.
If you don’t need to receive physical mail, you can use any UK address, (input Starbucks/Burger King and name of a city) they doesn’t verify it. If you want to receive mail (for example, to get a physical debit card), then use a virtual office with mail forwarding. Plenty of services out there that offer this.
3. Business bank account
Use Wise. It’s straightforward, and it works. In the case freeze your account, they release the funds, especially if you spam them on Twitter. Other options exist, but Wise is the easiest and safest starting point. Other banks keep your funds forever.
Make sure the company name and the Wise account holder match exactly. Stripe will check that.
If your computer or IP has ever touched Wise before, use Octo Browser and a clean UK proxy. If not, regular setup is fine.
Here’s where most people mess up: to activate your Wise account and get the bank details, you’ll need to make a small payment. The card you use must match the account holder’s name. If you don’t have access to that, use PayWithMoon. Fund it with USDT or BTC, and you get a virtual card that doesn’t have a name attached to it. You can input any name/address and it goes through fine.
If setup is good, you’ll get your bank details in a few hours. If it takes longer than 24h, something’s probably wrong and you will probably have issues when you receive funds.
After that, you can request a physical card or just use the virtual one.
4. Website
You don’t need anything fancy, but it needs to look like a real business.
Make sure the company name, registration number, address, phone number, and email are visible, either on the homepage or in the footer. Ideally, use a domain-based email that matches the site. If not, at least make sure the email you register with on Stripe appears somewhere on the website.
5. Stripe account setup
This is the most common failure point, and usually not because of docs, but because people use dirty devices and IPs.
If your laptop has ever been used for Stripe, don’t use it. Either buy a cheap clean one, or borrow a device that’s never touched Stripe. That first creation step is critical.
Also, do not use a proxy to create the account. That worked up until late 2023. Now it’s a quick way to get flagged, either immediately or right after your first few payments.
Create the account using a clean IP and a clean device. It doesnt matter if it is not UK, as long as it matches the owner residence address. Once it’s live and STABLE (some weeks of processing), you can manage it from Octo + proxy on your dirty device, but not before.
If Stripe asks you for selfie KYC right after you register, it’s over. That account is already flagged and it will be banned soon. A clean setup won’t trigger KYC until you’ve processed at least £10–20k.
One more important thing: the payments you process must come from the same domain that you registered with Stripe. If you set up Stripe with domain1.com and start sending payments from domain2.com, they’ll catch it, and the account will get flagged or banned. Keep everything consistent.
6. Processing payments (the "warmup")
There is no warmup.
That’s one of the biggest myths I keep seeing, people saying to run tiny test charges for weeks before scaling. Doesn’t matter. If your setup is good, you can do £500–1,000/day from the beginning.
What Stripe cares about is stability and legitimacy. So keep volume steady, don’t go from £300 one day to £5,000 the next. Avoid spikes. Avoid refunds. Avoid chargebacks.
Most important of all: don’t run fake payments or cards you control. Don’t test payments with your own Visa, even if you change the name and IP. Stripe will know. I’ve tested this in every way, they catch it, and the account dies.
Just run real whitehat sales. Deliver your product or service properly. Offer great support. Refund any problem customers without hesitation.
If you’re not profitable in the beginning, that’s fine. What you’re building is an asset. A clean, verified, high-trust Stripe account is worth more than any short-term cash grab. Once it’s aged and solid, you can decide how to play.
7. Instant payouts
If you follow everything right, your account will get instant payouts automatically on day 61 after the first transaction.
To get the max limit (which is £7,500/day), you need to have processed somewhere around £20–25k total. It’s not exact, but that’s what I’ve seen across multiple accounts.
You don’t need to ask support or apply. It’ll just appear on your dashboard.
Use this feature carefully. Don’t drain the full amount every day, it raises red flags. Most legit businesses barely touch instant payouts. Save that kind of behavior for when you’re ready to cash out or let the account go.
That’s pretty much it.
You don’t need farming setups or crazy warmup strategies or fake traffic. You just need to set it up right, like a real business would.
If you do that, the account will hold. If you skip steps or cut corners, it’s going to get clipped.. simple as that.
If this helped you, cool. I’m here to answer any questions.
