I have a much different experience. I use Mollie, probably very similar to Stripe or any other modern payment service provider. I have the occasional failed SEPA transaction due to an invalid reference id but otherwise this is very smooth sailing. There is almost zero friction in the payment process. I might be a small fish with say 40 transactions a day but I guess my situation is not much different from bigger players. Maybe this is because most transactions are in the Euro zone and things go south fast when dealing with international payments.