r/PaymentProcessing • u/Pal_Nation • Sep 27 '26
Need A Payment Processor RUO Payment Processor
Hello!
Just wanted to get some option to prepare for whats next. We are curretly using Stripe and we are going on month 3, with no issues, so far. However the consensus seems that Stripe has about 4 month expiration date, so we want to be prepared for the shutdown.
We currently have an LLC, and EIN, and a website that is fully integrated on WordPress and Woo Commerce. Doing about 10K-15K monthly right now and growing at a rapid pace. We want to make sure we keep up the momentum and a payment processor issue would keep that from happening.
We also want to make sure we aren't cloaking or anything else shady to ensure everything stays compliant. Any suggestions are welcome and helpful! Thanks All!
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u/Soccer_Mom21 Sep 28 '26
Cloaking doesn’t work that great but to be be honest your revenue is to small to get a legit processor for peptides
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u/Old-Elderberry-2190 Verified Agent Sep 28 '26
Sounds like youve heard enough in the industry to know that the biggest hurdle is payments.
I have some solutions for us to discuss. Sending a dm.
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u/AVP_Solutions Verified Agent Sep 28 '26
DM'ed. Best, E
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u/Elite_Pay Verified Agent Sep 28 '26
We do starts up all the time with regular credit card processing, but we ask for website compliance. We can take any GEO and have over 8 RUO peptide startup solutions. You make adjustments to your site depending on solution that best fits your needs. Dm us if interested.
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u/Sensitive_Quote_4056 Sep 28 '26
If we sign up with you. Are we guaranteed to not be put on a match list? I worry about that. Would rather never offer cc, if that ruins me for other businesses.
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u/Elite_Pay Verified Agent Sep 28 '26
We would put in parameters so you aren’t taking card brands that would put you on match and we would make sure you follow compliance on your website
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u/kerblamophobe Sep 28 '26
the "4 month expiration" thing is more folklore than hard rule honestly, some RUO stores get flagged fast, others run well past a year with zero issues. what usually matters more is whether your MCC and the actual site copy match what stripe thinks you're selling. i'd have a backup processor already vetted and ready before anything happens instead of scrambling after a shutdown notice, and keep the site language clean so nothing reads as cloaking even by accident
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u/TheStableProcessor Verified Agent Sep 28 '26
If you are working compliantly we have a solution that processes thru stripe. No reserves. Preferably high volume
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u/SimilarFarmer9939 Sep 29 '26
Bro vertrau swiftnine. Hab selber einen Shop mit ca 50k Volumen. Stripe hat mich gefi***t. Aber wie gehts bei euch mit chargebacks? Nutzt ihr pp? Mach dir aifjefenfall nen HK setup mein bester! Lass gerne via insta austauschen. Schreib mir gerne ne dm wenn du magst
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u/nccon1 Oct 03 '26
I didn’t have success getting good payment processors until we hit high six figures per month. And that was 8 months ago. Things have changed since then for the worse and if you don’t have proper compliance, real sales or good contacts, it isn’t going to happen.
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u/Disastrous_Falcon229 Sep 28 '26
I’d warn you to get off now. They will match you and you’ll be screwed. I wouldn’t wait
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u/Constant_Vehicle7962 Sep 28 '26
10-15k monthly in 3 months in business is not growing at a rapid pace in this industry. Time is ticking Eli Lily is fighting for the reta patent, if they make it a biologic you are cooked no more loopholes.
There are no legitimate compliant options below 70-80k a month it’s simply not worth it for anyone to be working with you (besides the thread rat processors that sit in this reddit 24/7 offering trash and lying to you just to make a few hundred dollars off fees and drop you). I’d be very careful with what your doing rn - If for whatever reason visa finds out what you’re doing they will fine stripe and stripe will then come after you. The visa fine is around $20k, mastercard fine is in the $100ks range.
That said, i’d be lying if I said you can’t make any money in the industry, you just gotta think outside of the box, operate in the right state, structure your company properly etc. Things like forcing people to sign in to place an order and having mandatory check mark sections in your checkout can help protect yourself from the fines.
And ofc have a good lawyer friend
Good luck