Payment processor that won't flag a niche singles events company as a dating service?
Hey everyone,
I run a small company that organizes invite-only, in-person social events for singles serious about marriage. Think curated dinner events at public venues - not an app, not a dating platform, not a subscription service. Our goal is to get people OFF their phones and meet IRL instead.
How we actually work:
- Members find us online and fill out a short signup form + pictures (that only we can see)
- They signup by verifying their CAD phone number
- We manually review each signup and curate guest lists for each event
- Members get an SMS invite and purchase a single ticket (~$20)
- They show up, meet people in person, done - after the event they can message ppl thru app they met irl
- No swiping, no online matching, no user-to-user messaging before events
- Pay per event, no subscriptions
Our track record:
- 3 successful events so far
- Zero chargebacks, zero disputes
- 150+ members in 2 months, zero paid marketing
- Currently expanding to new cities
The problem: We keep getting flagged as a "dating service" by mainstream processors despite not fully operating like one at all. I understand theres some elements to our business, but not entirely. Stripe closed us. Helcim denied us. We're currently on Square but it feels unstable given our category.
What I'm looking for:
- Stable processor that won't pull the rug unexpectedly
- Native/embedded checkout (not a redirect to external page)
- Supports Canadian businesses
- Reasonable fees
- API access for custom integration
Has anyone navigated this successfully? Any processors that do proper underwriting instead of auto-rejecting based on keywords? Would love to hear from anyone who has dealt with something similar.