r/PaymentProcessing

Can anyone explain what this is or how it works. I've been seeing payments being processed by this company at checkout.

When I go to their website it seems like some work of vacation time share.

Hi,

I have just found peptide-pay.com. I like that I don't have to DM anyone, and I don't have to call anyone, and there is no approval bullshit. Everyone can use the website within minutes. My problem however is that peptide-pay doesn't have any reviews. They don't have a Trustpilot profile and they don't have vouches anywhere. Are they reliable or a scam? Thank you.

The reason I’m asking is that my father has been very successful in merchant services for years, and I’d eventually like to follow in his footsteps. Right now, I work as a building automation technician, and I am also wondering if I could bring my knowledge into it.

Does anyone have any practical tips or advice for someone looking to break into merchant services? I’d especially appreciate insights on getting started, common challenges, sales strategies, or what skills actually move the needle in this business.
Thanks in advance!

I run a small software business in New York (Refinement Software Solutions). A few days ago, Stripe abruptly closed my account, made an unauthorized $1,576 withdrawal directly from my bank account, and threatened to forcefully refund my customers even though there were zero complaints or disputes.

I posted my story on the r/stripe subreddit. After it gained traction, Stripe Support emailed me a formal, written promise stating that my remaining balances would be available on May 20th. I waited patiently.

Instead of honoring their written word, yesterday Stripe:

1. Reneged on the promised release.
2. Consolidated the unauthorized bank withdrawal into a single $3,638.76 reserve.
3. Slapped a brand new freeze on the entire amount when the reserve was promised to be release on May 18th.
4. Deleted my original Reddit post to silence me.

When I posted an update exposing the fact that they broke a written promise to a merchant, the moderators retaliated by banning me from r/stripe for 7 days.

Banning me doesn't make the problem go away. Here is where my legal escalation stands:

• AAA Arbitration: My formal Notice of Intent to Arbitrate was delivered. The 30-day legal clock expires on June 8th, at which point I am filing the formal arbitration demand.
• Regulatory Complaints: Because of this blatant deception, unauthorized conversion of funds, and active censorship, I have filed official complaints with the CFPB, the Better Business Bureau (BBB), and the New York State Attorney General.

Has anyone else experienced Stripe explicitly lying in writing about a fund release date, only to lock it for 6 months and then ban you from their forums for exposing it? Did AAA arbitration finally force them to release it?

First off, sorry in advance if I mess anything up — this is my first time actually posting on Reddit, so apologies for any rookie mistakes.

I've been on Reddit for years and have never opened a thread or really commented. But I've been chasing this problem for over a year now, and I've decided it's time to ask openly to anyone who's actually solved it.

Quick context so it's clear this is serious:

I sell replicas. Main store on Shopify, processing with Stripe since October 2024, without a single issue from day one. 70,000+ orders and only 64 chargebacks total — dispute ratio has never been my problem and I can prove it. Revenue north of €2.5M a year. The thing is, no matter how well it runs, it's not a setup I can build my future on: it could go down from one day to the next and I know it.

That's why the real challenge is on my second site, built on Next.js/React specifically to find and validate a sustainable alternative payment solution. There, with companies set up in Hong Kong and Ireland, I've opened Stripe, Airwallex, PayPal and pretty much everything. The pattern is always the same: onboarding goes fine, they process for a few weeks or months, and they end in a ban. Account closed, one after another.

What the solution absolutely has to cover:

• Card: Visa, Mastercard, UnionPay, Amex
• European local payments: iDEAL, Bancontact, BLIK
• PayPal

I'm open to several routes, not just a single gateway:

• High-risk merchant accounts / direct acquirers that work this vertical
• Alternative gateways with solid, real reviews (I'm fine with higher fees than Stripe; cost isn't the factor, stability is)
• Smart routing / payment orchestration tools that spread volume across multiple processors and provide redundancy, instead of depending on a single one

The underlying reason: I'm planning to relocate out of my country in 2027 for tax reasons, and I can't build that decision on a setup that could collapse overnight. I need something that holds up long-term, not something that lasts three months and gets killed.

Heads-up to save everyone time: I'm only interested in comments or DMs from people with serious projects and real experience in this niche. After more than a year on this, I spot the bullshitters and scams fast, so don't even try. Real experience and solutions that have actually held up — everything else is noise.

Thanks in advance to anyone who brings real value.

Hey fam,

I’m a non-US founder running a Delaware LLC. I already have:

• EIN
• ITIN
• Mercury bank account
• US virtual business address from Stable

I’m in the SEO / digital marketing industry, which I understand is considered high-risk.

I need a payment processor that can handle:

• Card payments
• Apple Pay
• Google Pay

The problem is that almost every processor I apply to either:

• rejects me immediately because I’m not a US resident/citizen, or
• asks for a US residential address + proof of residence

I fully understand KYC/compliance requirements, but it feels almost impossible for a legitimate non-US founder to get approved even with a properly formed US company and tax IDs.

Has anyone here successfully solved this as a non-US founder in a higher-risk industry?

Would really appreciate recommendations for:

• high-risk friendly processors
• processors that work with non-US owners
• aggregators or merchant accounts
• anything compatible with Apple Pay / Google Pay

Would also love to hear what finally worked for you if you were in a similar situation.

Thanks.

Hey all,

I am like many others looking for a payment processing solution in the peptide space, research only. The important piece here is that they use the appropriate MCC. Not looking to get Matched.

Would be open to a crypto on ramp if its a seamless experience for the customer.

Thanks in advance.

Tracked my dispute outcomes over six months. Responses submitted within 24 hours of the chargeback notification won about 61% of the time. Responses submitted between 24 and 72 hours won around 31%. Same quality of evidence, same product types, just different response times. I always knew faster was better but I didn't realize the gap was that dramatic. Most merchants I talk to are still batching their responses weekly and wondering why they keep losing.

I started my RUO peptide business a year ago and things have been going well… except, of course I cannot find stable CC processing. I have gone through 7-8 different processors so far and as expected, they get shut down and my funds get trapped. I’ve seen several people talking about creating custom setups on the backend of their site which makes s nose to me but is something more suited for a developer within that space. So, I am humbly asking for processor recommendations from other RUO companies who have had successful experiences. I am also open to paying someone who is able to set up a custom solution for me - like setting up gateways and custom coding (not my wheelhouse). I have built a fantastic, loyal customer base but the inability to get cc processing is crippling.

I sell premium subscription slots like Netflix premium account is shared with multiple users on my website

Hi, I just signed on with paynada as an independent sales agent. This is my first time in this type of business and was looking for any resources that may be available to give me a better chance at success.

Hey, I have an LLC in the USA and an EIN number, but I don't live in the USA. We sell neon signs and business signage to our customers in the USA and Canada.

I have multiple Shopify stores running multiple consultancy businesses that have Shopify Payments approved, but one of my stores that I recently started is a high-ticket store in which we sell custom-made items on customers' requests.
The lead time for these products is 7 to 10 days, so we make and ship it to the customer in 7 to 10 days maximum.
It is not a high-risk or high return business. It's just a high-ticket product ranging from $450 to $3,000.

I am looking for a long-term and reliable payment processor that I am going to go long-term with, and if my experience is good with them, I'm going to shift all my stores to that processor.

Thank you very much for your attention. Recommend me if you think you can help.

Is there a way, as end user, to find out what processing company a certain adult-related website is using to accept payments?

Looking for a processor. Will provide more details and specifics upon request or comment.

agency-side, scoping a platform replatform for a €120M fashion client and the payment piece keeps surfacing as the wedge.

Their current stack runs Stripe alongside a regional acquirer with bolt-on routing logic our team wrote, and it works but its starting to break under the multi-currency and 3DS exemption complexity.

the call we're trying to make is whether any enterprise ecom platform offers native payment orchestration out of the box (multi-PSP routing, fallback logic, smart 3DS, retry strategies, reconciliation) or whether everyone bolts on a Spreedly or Primer regardless of platform.

shortlist on the platform side is Shopify Plus, BigCommerce Enterprise, commercetools, and SAP Commerce.

Adobe Commerce is in the mix but the SI quoted us a number that didn’t make sense. each of these has some payment story but the depth varies wildly, and the marketing decks all sound similar enough that its hard to tell whats native and whats partnership integration.

if you’ve been on the platform side of this evaluation and you know which ones deliver real native payment orchestration from the ones that just claim it in their deck, what should be on a 2026 shortlist?

[supprimé]

Hey everyone,

I’m currently looking for a reliable high-risk payment processor and could really use some recommendations or guidance.

Here’s my situation:

My business is registered in the US

I am a non-US resident

I operate in digital services (saas)

My current chargeback ratio is around 2%

I'm using stripe for now but looking for more better and reliable options

I’m specifically looking for:

High-risk friendly processors

Support for non-US owners

Ability to handle digital services

If you’ve worked with any providers that fit this criteria (or know someone who can help), I’d really appreciate it.

Also open to any advice on improving approval chances or structuring things better.

Thanks in advance 🙏

Hi everyone,

I’m an indie developer based in Iraq currently building a social deduction party game for mobile, and I’m facing a massive roadblock regarding app monetization and payouts. I’d love to hear how others in similar unsupported regions handle this.

As we know, Apple and Google strictly require using official In-App Purchases (IAP) for digital goods. We cannot use links to external websites, and we cannot integrate local mobile wallets or direct local payment gateways because it violates the Anti-Steering guidelines and leads to immediate rejection.

So, assuming I force my users to buy virtual Mastercards to use the official IAP system, I hit a second, much bigger wall: Receiving the payout.

1 No Direct Bank Support: Apple and Google do not support wire transfers to Iraqi bank accounts.

2 The Payoneer / Merchant Account Trap: Many suggest using Payoneer (which gives a US virtual receiving account). However, Google Play requires the Developer’s country to match the Merchant Account country. Since Iraq isn’t supported for Merchant registration, using a US Payoneer account triggers a request for US tax documents (SSN/EIN), which I obviously don’t have as an Iraqi resident.

My questions for developers who have successfully navigated this:

What is your actual strategy to receive your App Store / Google Play earnings?

Do you bite the bullet and incorporate a company (LLC) abroad just to get a matching business bank account and EIN?

Or is there a reliable Merchant of Record (MoR) or 3rd-party service that seamlessly integrates with iOS/Android SDKs without getting banned?

Or do you simply rely on a trusted friend/relative living abroad to host the developer accounts under their name?

Any advice or shared experiences would be incredibly appreciated. Thank you