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Are these insufficient funds on long-standing accounts, or relatively new accounts? It seems like it would be pretty easy for a competitor to target a small gym by signing up several new accounts, paying for a month or two, then emptying all the bank accounts at once, causing transactions to fail. If the gym has 1.1K MRR and charges $100/mo per subscriber (that's what my private gym charges for open gym w/o personal training), you're talking about ~11 transactions per month. Failing 3 out of 11 transactions (27%) would probably trigger automated fraud systems.


To put this into context, we are talking about a small local gym, with 33 active memberships.

This is exactly my thinking process tho. The other account blocked was just starting, had like 8 payments and one dispute and got blocked.

I'm really afraid for our other accounts now, seems like is just a matter of time until they get blocked.




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