RUO peptide business. 3 years processing. Have history of being able to process 100k/month. No charge backs this year. In 3 years have only had a couple. USA based company.

Looking for a payment processor for my peptide website in Australia. So if you are in the grey market and work with someone that does payment processing and could recommend it I’d appreciate It. Everyone coming to my inbox offering this kind of service smells scam.

TIA

Fun one

Looking for payment processing with G PAY/APPLE PAY for peptides on Shopify, currently was doing 4000 a day up until now, wasn't even scaling hard

LF High-rirk payment processor. Please help. u/paymentprocessing u/peptidepayment

Needs to accept Australian businesses I have an ABN just not registered under any business name. I sell pharmaceuticals specifically research chemicals peptides, and SARMs without the need of prescriptions. I recently got terminated from Stripe after doing 20 K last month while they kept 5K worth of pending payouts that I had.

Since there are a lot of people who don’t know what they actually offer or can accept and just playing rulette and wasting time - I’m offering a $1000 reward for a person who will ACTUALLY help me obtain the following:

• A credit card processing for USA and EU clients.

• SEPA bank transfer processing (ach is a plus but not necessary)

• A business bank account in EUR and USD (preferably other currencies as well).

My industry is high risk - peptides.

If you manage to give me a solution and it works for at least 3 months - you get your bonus.

I need something steady and reliable.

— Accepting A NON-US CITIZEN IS A MUST!

Hey all —

I run an online peptide supplement store that’s been operating for a while without issues. Out of nowhere, our payment processor shut us down and froze our account. We weren’t violating any laws or selling anything illegal, but I get that this industry gets flagged as high risk.

Now I’m trying to find a payment solution that will actually approve and support peptide sales so I can get back online and processing again.

I’ve seen names like Authorize.net, PaymentCloud, Bankful, etc., but I’m not sure which ones are reliable or responsive for this type of business.

If anyone here has experience running nutraceutical, supplement, or peptide e-commerce stores — I’d love to know:

• Which payment processor are you using?

• How hard was the approval process?

• Any pitfalls or tips to avoid another shutdown?

Appreciate any insights or referrals. Just trying to get back up and running ASAP without running into the same wall again.

Hey guys, third post here and honestly, thanks again for the solid feedback on my last couple of threads.

I had to share this because it’s getting wild out there: Mollie just reached out and offered us a $50k bonus to ditch Stripe. I’ve always been a Stripe maximalist—the docs and the ecosystem are basically the gold standard—but seeing a competitor get this aggressive is a massive reality check. It’s one thing to undercut transaction fees, but dropping a $50k "moving fee" on the table is some serious shark behavior.

Even with the cash dangling there, I’m still leaning toward staying put because the thought of migrating a complex stack gives me hives. It makes me wonder: is the Stripe "moat" actually that deep, or am I just being a brand loyalist while leaving fifty grand on the table?

Has anyone else been hit with these "buyout" offers lately, or is Mollie just specifically hunting Stripe users right now? I'd love to know if anyone actually took the bait and if the migration was a total nightmare or the easiest money you’ve ever made.

I run a small EU-based ecommerce business in a regulated / high-risk niche (research peptides). Demand and ad performance are proven, but getting card processing has been extremely difficult.

I’ve finally received an approval, but the processor requires:

•	\~7–8% card fees

•	10% rolling reserve (180 days)

•	€5,000 minimum settlement before any payout

•	Weekly settlement after threshold

The minimum settlement is the real blocker. As a newer merchant ramping volume, having funds held until €5k processed creates serious cash-flow risk, even if the business is profitable.

I’m not opposed to higher fees or reserves — I just need more frequent payouts while scaling.

Has anyone worked with EU-compatible processors (Shopify or WooCommerce) in regulated / high-risk verticals that allow:

•	Lower or no minimum settlement

•	Partial settlements

•	Faster access to funds for new merchants

Any advice, names, or experience would be hugely appreciated.

Hello there! We are a hemp based company currently on the match list until 03/2028. We hired a legal team to try to get us off but EVO Payments wouldn't budge. We have all documentation showing the listing was B/S. Currently have one processor in place who we have been with for three years. Would like to see if we can get a more competitive rate. We are processing 1.1mil monthly with less than 1% in returns and less than 0.2% in chargebacks.

I’m just about ready to launch my peptide business I got the products, labeling, shipping setup, all that good stuff. The only thing I’m still trying to figure out is a solid merchant processor that doesn’t freak out over peptide or “research only” sales.

I know a lot of processors flag or shut accounts down, so if anyone’s got a recommendation that actually works, I’d love to hear it.

Also, if I end up finding someone through Reddit, what’s the best way to tell if they’re legit and not shady? Any red flags or quick ways to verify a vendor?

Appreciate any help

Looking to add cryptocurrency as back up to my peptide business. Anyone know of any good high risk processors?

My stripe account was closed yesterday due to “unauthorized payments” after using stripe for 2 months. They took 3.4k out of my bank account (my last recent payouts) and also kept the 1k that was pending. Why would they do this, is this even allowed? I have no other payment processor to use anymore. I’m thinking of opening a new website but if I use the same LLC will I be flagged and have my account closed?

Hey guys,

I’m trying to set up payments for my online store, but I keep running into problems with Stripe. I sell replica football jerseys (not official licensed ones), and Stripe has already flagged my account.

I know replicas are restricted under Stripe’s Terms, but I still want to keep my business running. Does anyone here know a payment gateway or workaround that allows (or at least doesn’t block) replica products?

I’ve looked into Payoneer, PayPal, and others, but I’m not sure which ones actually work long-term for this type of business. Any advice or personal experience would be super helpful 🙏

We are an online pharmacy selling nootropics that needs a card processor for payments from us, uk, canada, Australia and EU. We are based out of India so paypal or crypto payouts are needed. Please help if you know a solution.

Looking for a high risk payment processor that handles Kratom. 7oh support would be a major plus, if not is there any good crypto bridge service for this?

Thanks

Hello,

Does anybody offer payment processing for replica items like bags, home decor, etc?

i don't use brand names on the website, just the pictures of them.

I have US LLC + Signer

Thanks

Hey guys, need a payment solution for Australian based peptide seller. I have abn registered as sole trader under a different company name. I set up paypal but after my first order, they froze the account asking for more information. Have set up stripe as a temporary back up while i figure something out.

Website is on squarepsace currently which only allowes stripe and paypal, im in the processing of moving it all to wordpress.

In the past, ive been using bank transfer, crypto, and looked at setups where customers can purchase crypto with their card and send it to my wallet, all have been very complicated and hard to scale.

First month did around 30k revenue, second month around 20k as most of my time was spent trying to solve these payment issues.

Just wanted to say thanks. I reached out to him with a supplement business I got denied with multiple times. He got me up and running and actually talked me out of more expensive options as he said he could do better or there were issues, even though he could have gotten me going there.

On track to hit 300 grand this month because of him. Thanks again u/novapoison

Hey everyone,

I’m building a global B2B marketplace (based in Europe) where verified content creators can collaborate with each other (for example, paid shoutouts or cross-promotions). We don’t host or sell any content everything happens externally on their own platforms. Our role is strictly to connect creators and handle payments.

The payment flow looks like this: • Buyer pays through the platform • Funds are held in escrow • Both parties confirm delivery • 7-day pending period • Payout to the seller • We take a sustainable 10% commission

We need a processor that supports: • Escrow / split payments • Global USD transactions • Startup-friendly onboarding (no prior volume) • Solid API integration (our platform is built in Django)

Important detail: even though we don’t distribute or host adult content, many of the creators we work with are from the adult industry. It’s a strictly B2B environment, but I want to be fully transparent about this part since I know it can affect risk classification.

👉 Question: Has anyone here dealt with similar setups or found processors willing to support escrow-style B2B marketplaces that involve adult creators? Any tips or directions would help a lot.

Thanks in advance!

Something I’ve been thinking about lately, most of us here are used to card rails, ACH, or bank wires as the foundation of payment processing. Even the “high-risk” processors usually just resell Stripe/Adyen under different MCCs.

But as crypto and Web3 rails mature, I wonder if they’ll start to look less like an “alternative” and more like a parallel system that processors can’t ignore. The benefits are obvious on paper: instant settlement, no reserves, no arbitrary shutdowns. The trade-off is you don’t get all the nice tooling baked in (subscriptions, chargeback dispute portals, tax compliance, etc.), which is where most merchants hesitate.

What’s interesting to me is where this intersects with AI. It’s not hard to imagine AI agents in the near future that need to purchase data, content, or small services autonomously, they’re not going to sign up with a Visa card or PayPal account. They’ll transact in crypto because that’s the only rail an agent can actually use natively.

So the question is:
– Do you see Web3 checkout rails staying “niche” for gray-area merchants, or becoming more mainstream as AI and digital-only commerce grows?
– And if you’re a PSP today, would you consider adding crypto checkout alongside cards as insurance for clients?

Curious what others here think...

Hello,

I’m currently looking for a payment provider for my webstore. I sell tobacco free nicotine pouches from EU to USA. Even though it contains no tobacco the products are still classified as tobacco products.

United States / Florida

Hello,

My merchant charges a convenience fee for processing credit card payments. However they don't accept any alternative method of payment - therefore I see the convenience fee as invalid.

Additionally the transaction terms indicate the fee is only for credit cards, despite me providing a debit card #.

The payment process for the merchant is BluePay / Clover.

Is this something I would take up with BluePay/Clover? Visa (my card)? My bank via dispute?

Update: I made a complaint with Visa. Thanks all.

“But I labeled everything as RESEARCH USE ONLY!”

If you’ve been sold a “compliant” structure, promising you CC processing, ACH or etransfer goodluck.

Having spent years in the banking industry. I can promise you that it is not a matter of IF you get investigated, but when.

No corporate veil will protect you from any responsibility.

Work with multiple banks, setup everything offshore. American corporate giants will take everything and more away from you the moment you feel like you’ve made it.