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The title says it all. The following are my email exchanges with a Gumload representative.

---------------------------

To Whom It May Concern:

I just tried to log into my Gumroad account and was informed that my

account was "suspended." . . .

This is really inconvenient. Could you reactivate it as soon as

possible? My username is "*@gmail.com".

Thank you,

Y*

---------------------------

K* replied:

Hi,

Our risk models detected behaviors in your Gumroad account that are considered, in the payment processing industry, to be fraudulent or correlated to fraud – to be sure, we apologize for the negative connotation that the word “fraud” has.

You can learn more about how we handle fraud here:

https://help.gumroad.com/11169-Creator-FAQ/what-is-considered-fraud-on-gumroad

Due to the strict regulations by our business partners, we have suspended your account and will not be able to continue working with you. I would recommend contacting your clients to find a different means of payment.

All payments in your balance will be refunded to your customers.

We are constantly working on expanding the array of industries we can service. It is our hope that in the future we can help business such as yours.

For more context please look into our terms of service and list of prohibited items:

www.gumroad.com/terms

https://gumroad.com/terms/prohibited

---------------------------

Dear K*,

The links you provided do not explain anything as you did not provide

any explanation as to how these rules were applied to my specific

case.

The product I was selling was a result of years of my hard work, I

trusted Gumroad to handle transactions for my product, and you

BETRAYED. I regard your company as unethical and untrustworthy as a

business partner, and I will inform others who are looking for online

transaction services to stay as far away as possible from your

business.

Having said that, I have already switched entirely to a Bitcoin-based

system for my online transactions, so I do not need your company's

unreliable "help." Your business practice is abominable and

disgusting.

Regards,

Y*

---------------------------

K* replied:

The only people buying your products were using stolen credit cards.

You were posing a risk to our business and credit line.

---------------------------

Dear K*,

I wish you had told me earlier about these fraudulent activities as I

had no idea. You do not seem to understand, however, that it is not my

job to filter out those customers with malicious intents as I have no

control over them. It is the company which provides the online

transaction service that is responsible for ensuring that all the

transactions are valid. It is not the responsibility of the user of

the service.

If you cut off customers without no specific explanation whatsoever as

you tried to do to me, there is no way for us to trust your company. I

really liked your services and was excited to sell the new version of

my software at Gumroad. My sales figures may be insignificant compared

to your big customers, but I just hope your company would stop

treating its customers like criminals.

Regards,

Y*

Reason of review: Damaged or defective.

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Guest

I had same negative issue with gumroad; I bought an item paid through gumroad; I did not recognize the charge at first put in dispute; and later reversed dispute-gumroad sent me a canned email response that I am banned from buying on their platform

CherylDunn

Former GR employee here - It doesn't matter if you have any influence over your customers or not. If your customers are fraudy, then your account is a liability.

This is not a Gumroad policy - this is just how life is in the payments world goes.

Guest

"The only people buying your products were using stolen credit cards."

... :)

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