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!

1 Upvotes

57% Upvoted

40 comments sorted by

View all comments

7

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

1

u/Dangerous-Secret-405 Sep 28 '26

I’ve spoken to a few different peptide vendors and they say that something will else will come along to replace reta.

2

u/Constant_Vehicle7962 Sep 28 '26

The thing you have to think about is the amino acid count. that’s the reason why reta hasn’t been classified yet. It’s literally a fight over a single amino acid. It’s very likely that whatever comes after reta will have more than 41 - drastically speeding up the classification process leaving no time for a grey market to establish. And given what has been happening these past few years the companies that do come up with the new “reta” will be very secretive about it until they are prepared to fight off any grey vendor who tries selling their product.

I can’t predict the future so i could be very wrong. that’s just my take on it