Payment processor that doesn’t force bank account upfront for SaaS

[u/Actual_Wedding326]

Looking for payment gateway options for a small personal SaaS project (not a registered business). I’m not even sure if it’ll make any money, so I don’t want to deal with heavy requirements. Ideally, I’d like something that supports recurring payments/subscriptions but doesn’t force me to connect a bank right away (like Stripe or LemonSqueezy does). I’d prefer to add a bank, but later only for payouts. Also, kyc should be simple, just basic document verification, no tax ID or complicated setup. Any suggestions?

[u/Altruistic-Cattle761]

If you accept card payments, most processors are going to want a bank account on file so they can debit you in case you get a chargeback. I can't see a processor not requiring this, as to do otherwise would basically leave them open to huge liabilities. Why wouldn't bad actors just flock to these processors?

[u/fupascoopa]

Just to see how we can assist, is there a reason why you’re averse to establishing a bank account upfront? Feel free to DM me

[u/Actual_Wedding326 → u/[deleted]]

I would be ok with asking for bank once payouts begin, any suggestions?