That's a good point, hellbanner should have used the test API, but this is still troubling. First, due to the lack of the communication and a proper ticket system from Stripe. Second (and more troubling), the idea that someone could maliciously cause you to lose the ability to process payments on your site simply by submitting a bunch of fake (or half-fake) transactions.
Creating a system that processes payments can be an involved process, requiring significant development effort, even when using API and libraries like Stripe provides. It seems like Stripe should only be shutting people down as a last resort, after repeated warnings with a clear way on how to fix the problem. This is also just good business practice. No one wants to be shut down without a good reason and without any recourses for appeal or reconciliation.
Creating a system that processes payments can be an involved process, requiring significant development effort, even when using API and libraries like Stripe provides. It seems like Stripe should only be shutting people down as a last resort, after repeated warnings with a clear way on how to fix the problem. This is also just good business practice. No one wants to be shut down without a good reason and without any recourses for appeal or reconciliation.