an aged stripe account helps, but not totally necessary. i've always noticed payit2 is pretty hands off. As always the secret is good IP's and limit declined charges. Also, make sure you check "do not send email receipt" (I think its the default). This makes it so you can put in seemingly real email addresses without setting them up. Payit2, wepay, stripe - wont notice all the email bounce backs. these oversights can get you flagged sooner than later.