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(I'm with Vector; we make CartThrob)
This error is coming directly from SagePay and honestly, is usually exactly what it sounds like: your server is making a request from an IP that's not whitelisted ...
CartThrob already has a Stripe Payment Gateway you will want to follow http://cartthrob.com/docs/pages/payments/index.html to enable the Stripe gateway on your site.
You shouldn't need it but if you ...