r/PaymentProcessing

Is there any option of signing up with a local payment gateway that allows accepting payments from International customers primarily in US, Canada, UK and Australia. What is the pre-requisite and what are the costs involved.

The transaction amount will range between USD 200 to USD 2000.

Hi everyone,

I'm looking for recommendations for a Canada-based PayFac or embedded payments provider. The setup would let us accept card payments for local businesses through our own platform and pay them out to their bank accounts in CAD. Ideally the provider offers merchant onboarding, a good API, competitive pricing and fast payouts.

I'd also like to know whether the same provider could support US and international businesses later, or whether people usually end up using a separate provider for each region. If you've worked with something like this, which providers would you suggest, and how was your experience with them? What are fees like generally?

Thanks!

I know there are 20 posts about this daily. I am making this post for the second time.

I have a start up RUO Peptide company. Like everyone else I'm needing a processor to accept credit cards.

Any legit people out there? I keep getting very scammy contacts or outrageous fees.

What I'm looking for:

•No start up fees.

•Someone willing to do business with a start up.

•No cloaking or anything that's going to get me on the match list.

•No minimum revenue. This is a start up so there is basically no processing history. (Started using stripe but stopped immediately after 2 transactions after realizing it was against their TOS)

•No sales calls. I would like upfront fee amounts and what's needed to get started.

• Preferably someone who can integrate the check out with Hostinger (I plan to switch to woocommerce or another one later).

I completely understand fees are higher for this type of business so I get it's anywhere from a 7 to 10% fee

Thanks!

Pneucons, an Ahmedabad-based industrial marketplace, has announced that it plans to disable UPI payments from October 10.

The interesting part is the reason.

According to its co-founder, the platform earns only around 0.5% commission on an order.

For example:

• Order value before GST: ₹10,000
• Pneucons commission: ₹50
• Customer payment after 18% GST: ₹11,800
• UPI MDR at 0.4%: ₹47.20

So out of the ₹50 commission Pneucons earns, ₹47.20 could go toward MDR — leaving just ₹2.80, meaning roughly 94% of its margin is gone.

The co-founder also pointed out that the company earns commission on the pre-GST value but MDR is calculated on the amount including GST.

The new framework is expected to impose 0.4% MDR on specified merchant UPI transactions above ₹2,000, while some small merchants and certain sectors have exemptions or lower charges.

This seems like an interesting unintended consequence of bringing MDR back to UPI. For high-margin businesses 0.4% may not look like much, but marketplaces operating on 0.5–1% commissions could be affected quite heavily.

Do you think businesses like this will start moving customers toward NEFT/IMPS/bank transfers, or will they eventually have to absorb the UPI cost?

So, I have one business, been in business for 15+ years..... I am opening another business, a related business but different so I am getting the license and LLC done online tonight for that business which will be completely separate from my main business.

So I don't 'cross paths' so to speak with my current business, what is the fastest method to take credit cards asap? Even if done online until the machine shows up, would need something this week.

Appreciate your feedback.

Hey all,

We're building self-ordering kiosks (Electron app) and need to hook up payment terminals. The flow we want is simple: the kiosk sends an amount, the customer pays on the terminal, and we get back success or failure. We don't want to touch card data at all, so we're aiming for a semi-integrated setup where we just say "charge 120 SAR" and get a result.

Most of our clients are in Saudi Arabia, and many already have terminals they'd like to keep using. For anyone who's built something like this, I'd love to hear:

• Multi-brand support: How do you handle different terminal brands/providers, especially when clients want to keep their existing hardware?
• Standards: Is there a common protocol, or does every provider ship its own SDK/API?
• Existing tools: Are there libraries, middleware, or abstraction layers that already solve this, so we don't have to build an adapter for every vendor?
• Local connection: Can terminals usually be controlled locally over USB, Serial, or LAN? Anything to watch out for from Electron?
• Testing: How do you mock or simulate terminals during development?
• Saudi specifics: Since our clients are in Saudi Arabia, does that change anything about the implementation? For example, local regulations, required protocols, or certifications, or restrictions on which providers/terminals we can use.

Any experience, war stories, or recommendations would be really appreciated. Thanks!

Hi. I had a lot of troubles with my current processors in UK, blocked accounts with money in them, applications refused, etc. I am looking for a processor that can handle chargebacks and complaints and also don’t freeze the account once a week with money in it. Any recommendations?