Hello there looking for someone to facilitate payments for my little start up going to start doing small volumes. Based in Canada servicing global.

DM or comment and I will provide more info.

Cheers

Hi everyone,

​I’m in the process of launching a UK skill-based competition platform on WooCommerce.

Everything is almost ready to go; the website is built, branding complete, business bank account set up, and initial prizes secured.

​My main hurdle right now is finding a suitable payment provider/gateway for micro-transactions.

​The Problem:

Standard card processors charge ~20p–25p plus x% per transaction. On a £1 entry ticket, that wipes out 25%–30% of gross revenue instantly in processing fees alone.

So I’m looking for a provider/setup that keeps fees at or under 10% (sub-10p total fee) on a £1 transaction.

​What We’ve Tried:

We’ve approached providers like Atoa and TrueLayer, but hit roadblocks due to either high-risk sector classification or being a brand-new startup without trading history.

​My Questions:

1. ​For anyone running or operating in the UK competition/prize draw sector, which gateways or high-risk merchant acquirers actually accept new startups?

2. ​What payment setups or workarounds do you use to keep fees sustainable on £1 ticket sales?

3. ​Are there specific UK high-risk payment brokers or gateways you'd recommend for WooCommerce?

​Any advice, recommendations, or insights from experience would be hugely appreciated!

Yes, yet another post.

But i'm just writing in hopes that some serious person will discover the post and offer something substancial. I know that 99.5% of this subreddit lurkers have no idea what they can onboard and what not.

We have experience, volume and ability to increase volume on a consistent basis.

Mainly we now operate in EU so we need 3D processing for sure and some banking solutions possibly as well.
USA Warehouse a few weeks away from opening, so we'll need 2D very soon as well.

We're open to:

• Zelle, ACH.
• Card processing (cloaked, offshore as well (this is probably a preferred way for now))
• Making product pages more compliant (already consistently improving them)

What we're not willing to do for now:

• Completely gating our site and restricting SE discovery
• Removing/Renaming GLP1s

to nonsensical terms like ‘ahhagsh123’.
- if gating and removing terms are required - better rates are expected, obviously.

--

You should be able to take on NON USA CITIZEN. (With USA LLC).

Not to sound rude, but if your only answer is 'DM, fill form and we'll see what we can do' - don't even bother. I'm not filling any forms and wasting time until I see some concrete evidence and knowledge that you can get us up and running quick.

If you cannot see what you can do - then don't do it.

P.S. $5000 bonus who can get a working solution and successful payouts for at least ~3-4 months.

I’m a freelancer based in Pakistan and need to receive a $300 payment from a client in Mexico for website development.

What is the easiest and most reliable method—Payoneer payment request, bank transfer, or another option? I’m especially concerned about processing fees, currency conversion, and how easy it will be for the client to pay by card.

Would appreciate hearing from anyone who has received payments from Mexico to Pakistan.

I know this has been covered before in here, but the last thread is about six months old, so I figured there should be new information in the space.

My company sells peptides and nutraceuticals. We already knew Stripe, Paypal, Square, and all the other usual suspects would be out. But I'm also striking out with others like Durango, PayKing, NMI, Allaypay, and the like.

I'm at my wit's end. We were supposed to launch last week, and I'm the main software developer. At this point I've run up against the wall with about 12 different possibilities who all say they won't support peptides at the 11th hour.

We're super compliant on the legal end and have an in-house counsel reviewing every single word. We've covered all the necessary discussions around research only use language. We just can't find anyone willing to give us a start. I've worked a long time in the banking/fintech/MTL space and so I know about the different tiers of banks and high-risk vendors, and I wouldn't have thought this would be that ponderous. I'm just hoping someone out there has had a good experience with a processor we can also leverage.

I am looking for a payment gateway or platform to sell replicas.

I’ve been using Shopify Payments, but I don’t want to rely on a service that could freeze my funds at any moment—not to mention the payout times are very long. I can generate high revenue, but it all hinges on the payout schedule. I am able to maintain low chargeback rates and am willing to share a portion of my profits with anyone who can offer a solid solution.

Hey everyone,

I'm looking for some advice from other business owners or payment experts who have navigated this.

Our Setup:

• Entity: US LLC (Wyoming/Delaware, etc.)
• Ownership: Non-US resident (I have an ITIN and a US bank account).
• Niche: Digital marketing services (FB/Insta marketing) and book publishing services/book fairs.
• Ticket Size: $500 to $4,000 per transaction.
• Volume: Prior to getting shut down, we were doing around $30k–$40k/month, with projected growth to over $50k/month.
• Clients: Mostly US-based.

The Problem: Both Stripe and PayPal recently shut down/restricted our accounts (typical automated risk triggers for digital services/marketing agencies). We are now trying to find a stable, long-term credit card processor that can legally and reliably handle a US LLC owned by a non-US resident in our specific industry without sudden rolling reserves or account freezes.

I've been speaking with high-risk providers like Sooner Payments and Breeze, but I want to know:

1. Which processors or high-risk brokers have you actually used and trusted for a similar business model?
2. Are there specific underwriting landmines I should watch out for when presenting a marketing/publishing agency to high-risk acquirers?
3. Any tips on getting approved smoothly as a non-US resident with a US LLC?

Appreciate any recommendations or insights!

By a show of hands, how many of you have an option for same day settlement, and what’s the associated cost for that option?

Thanks

I am not a merchant nor seeking DMs.

I’m looking to connect with an experienced, legitimate payment/settlement provider that works with businesses operating in higher-risk industries.

Looking for:
• USD card payment acceptance, preferably through payment links
• US bank transfer/wire support
• Reliable international settlement options
• Approximately $20,000/month in processing volume
• Around 3–4 transactions per week

I’m specifically interested in speaking with an established provider or experienced partner who can explain their available solutions, onboarding requirements, and fee structure.

Looking for a reliable long-term relationship. Please DM me with your experience, supported business types, and pricing.

We’re looking for a card-to-crypto payment gateway that allows customers to pay with Visa, Mastercard or Apple Pay, while we receive merchant settlements in USDC. Its in europe.

Guys, we’re new to the peppers industry. Looking for new processors. We almost signed up with elite but saw some bad reviews. Open to ideas.

I’m looking for a payment processor that supports ACH Online/eCheck.

We have a US LLC with non-US ownership. We sell dietary supplements only, no peptides or similar products. The company has a virtual US business address and we work with a US-based 3PL for fulfillment.

We mainly need the solution for retail sales, but support for wholesale/B2B payments would also be useful.

Our US business bank account is with Relay.

Hi all. We're a pre-launch startup building an adult creator subscription platform (OnlyFans style, user-generated content from independent creators). Company formed in the UK, launching next month. Looking for a payment processor, or a reputable high-risk broker, that genuinely works with explicit UGC adult content.

Our Profile:

• Stage: pre-launch, going live next month
• Volume at launch: $10k to $50k per month, scaling from there
• Billing: recurring subscriptions and one-off purchases (PPV, tips)
• Content: adult / explicit, and non adult user-generated content. AI generated also

Must-haves (non negotiables)

• Visa and Mastercard, 3D Secure mandatory
• Recurring / subscription billing with card tokenization
• Multi-currency processing
• No setup fee

Target terms

• Processing rate at or under 10% all-in (we've been quoted 15%, which doesn't work for us)
• Rolling reserve around 10%

What we bring
UK limited company, business bank account, full KYC/AML, age and identity verification for creators, content moderation and takedown process in place, and for chargeback mitigation (3DS, plus Ethoca/Verifi if you support it or other tools).

If you're a processor or broker in this space, please comment or DM with your rates, reserve terms, payout/settlement timelines, and onboarding requirements. Thanks!

So I have an US LLC, an E-Commerce Shopify store, doing all good. And I've come to a bottleneck. I have affiliates, from outside of the US, that want to get paid out in crypto.

I need a solution, so i can wire money from my business bank account, and payout the affiliates, contractors in crypto. They are mostly out of the US

I launched online skill-based gaming platform about a week ago and had a surprisingly strong first week, but I’ve now run into a pretty serious payment processing problem.
The business allows users to play skill-based games against other players for predetermined prizes. Results are based on player performance rather than sports outcomes, slots, roulette, or random casino games.
We were using Whop for payments.
One customer ended up really liking the platform and generated a significant amount of activity in a short period of time. Since we’re also a brand-new account, our transaction volume went from basically nothing to a decent amount very quickly.
Whop has now suspended the account and classified the business as an unsupported business type.
The suspension itself sucks, but my bigger concern is the money currently sitting in the account.
There is a significant balance locked in there. Some of it is revenue from customers, but a substantial portion is also my own money that I deposited/put into the platform to fund operations and player prizes.
On top of that, I still have obligations to users, so having the entire balance frozen puts me in a pretty difficult position.
I’ve already contacted Whop and submitted an appeal explaining the business model and offering to provide our game rules, transaction history, gameplay, prize structure, customer activity and anything else they need.
I’m looking for advice from people who have dealt with payment processing for businesses that processors consider “high risk.”
Main questions:
What payment processors/platforms actually support skill-based gaming or skill-contest businesses?
Has anyone had a processor terminate their account while holding a large balance? How did you eventually get the funds released?
Is there normally a way to have the portion that was originally my own money returned separately from customer-generated revenue?
If the processor refuses to reinstate the business, what steps should I take to formally request withdrawal/release of the remaining balance?
Should I be looking specifically for a high-risk merchant account rather than platforms like Stripe/Whop?
I’m not looking to disguise the business model or sneak it through another processor. I want a processor that understands exactly what the platform does and approves it before I start processing payments again.
If anyone operates skill gaming, contests, esports, fantasy, sweepstakes, or another business that processors consider high-risk, I’d really appreciate hearing what payment stack you use and how you got approved.

Hey everyone,

I run a US-based platform exclusively for digital products and software services. We process payments globally for our builders through our own hosted checkout pages.

We are currently planning to onboard merchants and creators from developing markets—specifically Egypt, Turkey, Pakistan, and Bangladesh. Our goal is to use Stripe Connect (specifically the Express dashboard) to handle merchant onboarding and automate their payouts (Transfers & Payouts).

Based on Stripe's documentation, I understand that for some of these countries (like Egypt), accounts only support "recipient service agreements." This means they can't process charges directly, but they can be onboarded under my US platform to receive their digital sales earnings directly to their local bank accounts.

Before fully committing to this infrastructure, I wanted to ask if anyone here has practical, real-world experience with this exact setup for these specific regions:

• First and foremost, do payouts actually go through successfully to local bank accounts in ALL of these specific countries via Connect, or are some practically unsupported?
• Are there any hidden compliance hurdles or high rejection rates when onboarding digital product merchants from these countries?
• Have you experienced unexpected account pauses or payout freezes for merchants in these regions once they hit certain volume thresholds?
• Is this a reliable long-term payout solution for global builders, or are there better alternatives for developing markets?

Any insights, warnings, or shared experiences would be highly appreciated. Thanks in advance!

My business is not a pharmacy. May I sell peptides?

Yes, Stripe supports the sale of many different peptides, with some limitations.

I had a client get banned months ago, but they are failing the appeals to be reinstated.

Any tips?

Going to keep this super short but I am out $6700 because of this “verified agent”. He is involved with 365 payments which should be all you need to know. Yes, I am stupid for wiring 6k and it’s an unfortunate learning mistake. The desperation in the high risk pep space led me to make stupid decisions.

Cesar used his corporate association with a legit payment company to get me for $6k. Then he delivered 2 solutions that were not operational and the second one RUOOS.com straight up just stole my money.

Said he’d give me refund over 2 months ago and then just ghosted me. Turned off his comments and everything too.

There are plenty of good agents in this sub who do honest business and won’t try and screw you. Shoutout to E at AVP and Brittany.

I know there are others that have had horror stories about Cesar Valle. @novapoison can we have some sort of agent impeachment process? I would like to protect others from predatory agents in this sub (have a plethora of evidence showing he’s a bad actor).