Stripe does provide you with a merchant account (https://stripe.com/terms https://stripe.com/terms). They just make it a simple process by asking for as little

Stripe does provide you with a merchant account (https://stripe.com/terms https://stripe.com/terms). They just make it a simple process by asking for as little info up front as possible. There's advantages to this such as a quicker sign up process. But the disadvantages are that you may have issues if your company grows too fast, if you get too large of a transaction size or a host of other risk issues. Your best protection against these is giving the bank the option to perform a thorough underwriting. Disclosure: I work at Braintree.