I'm pretty sure you're right. Laws are like traffic lights: nothing is actually physically preventing you from driving through red lights, it's just that you might get in trouble if you do it. "Might" being the operative word. (And there are a lot more traffic cops than spam cops.)
* Set up a Twilio number for billing support. Play hold music even if your office is closed.
* Proxy transactions to Stripe using a intermediary server in India to match the latency and reliability.
* Randomly multiply totals by 10.
* Randomly forget to call the Stripe API.
* Setup auto renewals. Even for one time payments.
* If a customer has more than 20% in receipts than the previous day, freeze all funds for 190 days.