I’ve been using Stripe for about 3-4 years now. Never had an issue. I always receive the funds 5 working days later.
I wasn’t aware they had so many negative reviews. It looks like they’re making new users jump through some hoops. I think it’s also possible that some people have a questionable source of income, and Stripe don’t like it.
Pretty much the same for all card processing companies. Read PayPal reviews, hilarious.
Reading the Stripe reviews I’d say most agreed to the T&C’s without reading them and have no idea of the regs surrounding distant selling. When Stripe discovered they were breaking the rules they froze their accounts, which they have to do by law.