r/PaymentProcessing

I'm looking for payment processing for my peptide company with woocommerce integration. We do business mostly in Canada.

Payment processor locked my funds with a clean chargeback history. They’re saying the only way to release the money is to completely stop processing and wait 6 months.

Even support told me my account history looks clean and they don’t understand why the reserve is there.

Has anyone actually gotten funds released early or successfully escalated this? What are my options besides waiting?

Hey everyone, I’m looking for a long term and reliable payment processor for my RUO peptide business. I’m still currently in the web design phase but I’m trying to get the hardest part over with. I’m a fairly young dude so I don’t know much about this niche but I do know there’s a bunch of stuff I have to look out for like reserves, rates/fees, and more. I know it’s not going to be pretty at first just being realistic so I’m willing to take a little bit of a hit as long as I know that the processor is reliable. I’m fairly new in the Ecom space and don’t know much about web design, advertising, and payment processing especially so if anyone in the space could shoot me a dm to maybe help guide me in the right direction if would really mean a lot.

Basically running a digital goods store with a recurring billing model and looking for processors to onboard with. Have a US LLC, bank account, EIN, and ITIN. Subscription vaulting is needed. Happy to chat details with interested providers.

I'm building a website that I want to accept payments. My goal is to have recurring monthly payments of a small amount, like around 3 or 4 dollars.

I have some experience with the Stripe API. It's okay, I guess. But their fees are like 2.9% + $0.30. And since my amounts are so low, that $0.30 is a concern.

Just curious about people's experience with other processors. I would like something cheaper. And a good API is really important.

I'm building an early-stage fintech startup in the prepaid card space and currently validating the business model.

The parent company is legally incorporated in the Dominican Republic. We're exploring high-risk merchant/payment processing options for a compliant prepaid card marketplace workflow.

Most providers I find seem focused on US-based entities. Are there merchant providers or acquiring partners that work with overseas companies, particularly from LATAM, or is a US entity generally required?

Would also appreciate any guidance on providers that are more open to early-stage fintechs operating internationally.

Looking for a processing company for a startup peptide company. I know this is challanging, and I have spoken with dozens of companies, and most will only take you if you are already doing large volume. How do new research peptide companies find a processor to get started? All these big companies had to start at the bottom as well......

I am setting up an adult dating site and looking for a reputable payment processor. Will be doing less than 20k a month with the UK, Europe and the US as target countries in that order.

I want to take payments in Crypto (Crypto to Crypto is fine) and separately via CC. Probably want two seperate providers for resilience.

Any suggestions? Would rather pay a little more for quality and security.

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.

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 operating like one at all. 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.

Hello, This is My second Post in this Sub. until now there is no one helped us !

we are registered business in wyoming since 28/7/2023, we have about 8 fintech banks 😄 but facing big problem in payment gateways !

i am looking For Payment Proccessor or Merchant Account Provider able to

1- work with a non US citizen, USA LLC (Have Only EIN)

2- monthly volume 25k$ to 35k$ (0 chargeback - 0 disputes) before last dec 2025 (we faced fraud pattern), we have reports from paddle with 0 disputes too

3- accept our buisness model, we are not high risk. we work as a webhosting providers & we are reselling dedicated servers and VPS

4- Currently We use Paddle since 2024/ WISE / ACH / Crypto to receive our Payments

5- Previously used stripe from 2023 - 2026 before thier AI Bots banned us ! , we will trying to take a legal action with them. because they ignoring our tickets.

6- we have those fintech mercury - relyfi - nsave - bankera - wise - payoneer - narvi - aspireapp, all those banks but only Paddle as a gateway !

7- We tried with Airwallex they refused us without reason since 2023 / we tried PayPal or braintree they need ITIN / SSN and said our experian credit report is not enough to go forward.

It`s very strange that There are many banks work with us ! and payment gateways is rare !

it`s also unacceptable to let stripe destroy our business or cach flow because there is no alternatives !

Seems to be a ton of International people on here looking for accounts, or the USA accounts are peptides. Seems to be a drop of people either looking for processing or starting businesses?

Maybe a sign of the times with the economy?

Pipeline definitely is slower for me than it was a year ago in regards to USA owned business

We are currently looking for a new long-term payment processing partner for our online dating business focused on the DACH region (Germany, Austria, Switzerland).

Our operating company is Switzerland-based, and our platform is fully mainstream and compliant — no adult content, no escort-related services, and no prohibited verticals. We operate approximately 10 branded domains with different frontends/skins under the same business model.

About us:

- Established business with 5+ years of transaction history

- Stable processing volumes and documented chargeback history

- Primarily Visa / Mastercard payments

- Main markets: Switzerland, Germany, Austria

- Subscription and recurring billing model

- Professional fraud prevention and compliance processes

- Fully mainstream dating vertical

Our previous acquirer decided to exit the dating category entirely, which is why we are now searching for a reliable replacement and long-term partner.

With our previous acquirer, we were processing at 1.55%, although we understand market conditions vary and are open to reasonable negotiations depending on setup, reserve requirements, volumes, and overall partnership structure.

What we are looking for:

- Established payment processors, acquirers, or PSPs experienced with subscription businesses and ideally dating platforms

- Support for European / DACH card traffic

- Recurring billing and API integration support

- Serious companies only

- No anonymous DM offers without verifiable business information

- EUR and CHF

We are open to long-term cooperation and are also willing to pay for successful referrals to reputable providers that can realistically support this business model.

If you know suitable companies or represent one directly, feel free to comment or reach out with company details.

Thank you.

Looking for a tried-and-true payment processor and possibly someone to help integrate it into my website. Pretty sure PayPal is heading toward shutting me down soon.
Running a research-use-only ecommerce site in a high-risk category, so I’m looking for:
stable processing
actual underwriting (not instant shutdowns months later)
preferably WooCommerce compatible, but open to other options
ACH/eCheck + card processing would be ideal
someone who can also help with setup/integration would be a huge plus
Current setup is Squarespace, but I’m considering migrating if needed.
Site is compliant:
21+ popup
research use only
no medical claims
no dosing guidance
policies/disclaimers/etc in place
Would love to hear:
who you’re ACTUALLY using successfully long-term
who to avoid
whether WooCommerce is worth the switch
realistic reserve/fee expectations
Seems like Stripe/PayPal/Square eventually nuke everyone in this space anyway.

We are a high-risk peptides ecommerce merchant looking for a WooCommerce-compatible ACH/pay-by-bank solution with instant bank verification similar to Link/Plaid checkout flows. I started the business in January using my personal bank accounts, and scaled to around 22K a month currently. Recently I registered a USA LLC in the state I operate in (FL) and that is owned by a Wyoming Holding Company for privacy.

While everyone is searching for Card Processing and don't get me wrong it would be nice, I really have no interest in that space as it just seems I read of nightmare (funds being held, rolling reserves, hold periods, MATCH lists, etc you know the rest) - Instant bank transfer/ACH seems like the next logical step I want to do. (I currently have Zelle (Business), Cashapp (business), Venmo (business), and Blockonomics for QR Crypto real time purchases.

I have 5 months of personal bank statements showing the revenue flow, and most recently we have the business bank. While I know it would be great to do an insane amount of volume doing processing, I'm not greedy, and research peptides is not my long game play.

I am not sure what the future holds for the space and I am actively going to be transitioning to actual subscription telehealth eventually moving away from research peptides completely. (Coming soon)

What's the best way to implement a high risk plaid style ACH solution for my business?

I’ve been dealing with a nightmare lately: multiple accounts got banned in quick succession, and I’ve lost nearly $20k in funds and held balances. I’m sure many of you in high-risk niches know how this goes.

What’s been the most reliable way you’ve found to accept payments from customers worldwide without getting your accounts frozen or terminated? I’m looking for solutions that are proven to work long-term, not just workarounds that get shut down in a month.

I’m open to hearing about merchant accounts, crypto options, or even wire transfer workflows that have worked for you. Any advice would be a huge help.

I’m starting a new payments/merchant services company and I’m stuck on the name.

I don’t want something that sounds too generic like “XYZ Merchant Services,” but I also don’t want something too cute or gimmicky.

Some words/styles I’ve been playing with:

Card
Swipe
Flow
Smooth
Pay
Commerce
Bridge
Value/savings/service angle

A few ideas that came up were things like Cardly, CardFlow, BlackBear Commerce, SilverBridge, etc., but nothing has clicked yet.

What would you name a modern payments company that needs to sound trustworthy, professional, and still memorable?

I currently have a credit card to crypto setup that requires a TREMENDOUS amount of KYC, making it nearly useless. I really need to find something better asap. Here's what I'm looking for aside from the obvious like secure, legal, not a scam, etc:

* Wordpress plugin

* The least KYC possible

* No wallet required for the customer

* USDT or USDC

* As clean and native looking as possible

* Not asking for CC because I'm under 10k/month and I won't qualify

I'd love to find buy now pay later opportunities as well, but I know that's unlikely. I already have eCheck, I don't want any masking or gift card/credit card schemes, and I personally carry state licenses so I can't break the rules. I'd appreciate some feedback.

Averaging 30k a month current volumes that’s on Bank Tran.

Looking to scale with card processor.

hey guys im new to the peptide industry i have a website up w base44 ,did try hostinger with wordpress, and connecting to WooCommerce but was a hastle trying to make a website and work on back end stuff , so decided to go w base44 ,but ran into a wall with the payment process , since i know you cant use ,stripe or paypal, so any tips or directions your guys recommend to take so my website and payment process dont get banned ?

Hey all,

I had to fire my last marketing team as the results were subpar.

Looking for a new team that will work on results instead of just a flat rate.

Must be able to improve SEO ranking, and be able to target specific verticals, geo's, and sizes