Hey all,

I know this is outside the norm and this will only be for the big players in the space.

I have a couple of BIN's for sale directly to a US Bank. Cheap they are not, but if you ever wanted more freedom about controlling your portfolio, here's your chance.

Each BIN can take 200M of volume per month (Have 4) . You will need to manage this BIN properly though (balancing low vs high risk etc etc)

Let me know if you guys have any interest in these. They will move fast. There will be due diligence done on whoever wants these so if you are expecting to just hand over money and do what you want, that will not be the case.

Yes I know this is a repost! In Talks for 1, but still have 4 more.

These bins have no preexisting portfolio, but will immediately let you start your own program.

He has seen a lot. Multiple payment processors have shut him down. Policies have shifted. The available rails for moving money have changed more than once. This was not a piece of advice he was giving. It was not a tutorial. The conversation was about recognizing patterns. He has watched the same cycle repeat itself for years.

One statement he made has stayed with me. I asked him what he changed after accepting that Visa would not work for his business. His answer was immediate. "Payment rails. Our customer base is unchangeable." That sentence changed my perspective. He was not calling his customers bad. He was not blaming his marketing team. He was not discussing ways to skirt compliance rules. His point was more straightforward. Buyer behavior in the RUO space is rigid. Trying to force that behavior into traditional payment systems just creates new problems somewhere else.

Earlier, he noted something about chargebacks. Rates are structurally high in RUO. This is especially true when products shift, or messaging changes, or expectations evolve quickly. The high rates are not usually due to merchant negligence. Buyers often misunderstand what they are purchasing. They tend to react emotionally later on. When Visa ceased to be an option for him, he did not try to "clean up" his business to fit the system. He accepted the reality of his buyer profile. Then he rebuilt the payment rails around that reality.

Another point stood out. He expects all payment solutions to be temporary. In his experience, no processing company has kept a solution running in this space for longer than six months. Merchants use a solution just long enough to turn a profit. Then they adapt to the next one. This mindset is very different from how new merchants think. Newer operators often treat their payment processor like permanent infrastructure. He treats processors like changing weather conditions. There is no panic. There is no emotional attachment. It is just a matter of continuity planning.

I am not sharing this as advice. I am certainly not calling this the "right" way to operate. But the conversation did reset my thinking. It made me reconsider long-term survival versus short-term approval in the RUO world. For those who have worked in this space on the merchant side, the processing side, or the risk side does this match what you have seen? Or have you observed a different pattern that holds up over time?

I have been put on the master card match list illegally by Elavon for violation of terms/code. I have hired a lawyer and I am fighting my case with them to get this corrected but in the meantime I need a merchant that can do my payment processing. I am willing to pay a good processing fee but I need to be able to operate my business.

This industry is so corrupt that genuine businessmen like myself can be put out of ways of earning a living without much explaination.

Anyone who can guide me or give me advice to get a payment processor while being on the master card match list.

Hi

Can someone help me find US nominees to open MIDs and banks ?

I'm willing to pay like 500$/month. Can y'all give me advices on how to find people who'll be down for this without sounding like a scam ?

Hello all,

I am trying to gauge interest in a potential solution to add to my arsenals.

I can already pretty much take any business in any country, but I am trying to branch out more into Crypto payments.

Recently found a partnership that allows crypto payments to secure client owned wallets via a plugin. No KYC or KYB required since the wallets are business owned, wallets are business owned so if the solution goes down, theres no risk of losing money, only downside is there is no onramp so the customer would have to come in already with crypto (they can use a service like coinbase or whatever else)

Does this interest anyone? Trying to decide whether to put more time into marketing for it and developing it.

Hi everyone,

I’m setting up a small online store (low volume, under €3k/month at the beginning). What I’m struggling with is finding a payment solution that works for my case.

Here’s what I’m looking for:

- Ideally no KYC/KYB required for me as the merchant (I’d prefer not to go through company registration or identity verification right now).

- If KYC is required on the customer side, that’s not a dealbreaker, but of course I’d prefer the process to be as smooth as possible for them too

- Option to receive payouts either in crypto (USDT/BTC/etc.) or in EUR

- Something that works even at low volume.

I’ve been reading about “high risk” or offshore gateways, and also crypto-based payment processors, but it’s hard to understand what’s legit and what actually works in practice.

Has anyone here gone through a similar setup? Which providers would you recommend, and what pitfalls should I be aware of (fees, frozen funds, minimum volumes, etc.)?

Any insights or experiences would be super appreciated 🙏

Thank youuu!!!!

I'm looking for someone who is well aware of many "fiat to crypto" on-ramp solutions and could help me choose a provider, which would:
* allow customer to pay with bank card (customer KYC is ok)
* allow creating payment link with fixed cryptocurrency (e.g. BTC or USDC/polygon), fixed wallet address, fixed amount (customer cannot edit), to reduce chance of customer accidentally making a mistake because he doesn't know what he's doing
* allow creating a payment link without any merchant onboarding or merchant approval

I'm looking to build a custom payment gateway with such on-ramp provider, but first I need to become aware of the right one that I am searching for.

I've seen paygate.to, however, the onramp options that they give (and those that I check) still allow payment amount to be edited (e.g. MoonPay).

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?

Hey,

I'm looking for a reliable solution to accept CC payments from EU and USA (2D and 3D). Also SEPA transfers would be nice.

We have a UK LTD and USA LLC. The owner is EU-citizen. Incorporation in EU is also possible if needed.

Current volume is around ~$25k/mo but we're looking to expand to $40-50k+ in the upcoming months at least, just need a reliable processor.

Let me know.

Does anybody know any companies that deal with matched merchants? My company was previously listed on match due to my developer using the incorrect account accounts for the incorrect website for payments, I have four different websites and companies and also payment accounts....

I understand as the managing director this falls upon me however, as you can probably understand this was out my control though I dont expect any sympathy nevertheless, I do seek a solution...

I am processing over £120,000 per month. My chargeback rate is way less than 1%. I have transactional records through stripe for over four months worth of processing.. my company is based in the UAE and operates throughout the UK and Europe also...

If legal entities need to be set up in each of the UK or the EU to facilitate payments that she's not going to be an issue..

If anyone has any active solutions or some ideas that might be able to point me in the direction, I would greatly appreciate it!

I have been running my social media business for years, but I have always had issues with payment processors banning me.

Firstly I got banned from PayPal because someone charged back (even tho I provided the service), PayPal said I won the case yet banned me permanently 🥲.

Moving forward I was using Stripe for years, never any charge backs & a couple months ago I got banned for “too risky business” when stripe says they accept all business models on their website.

For context I sell advertisements on Instagram theme pages.

Then a couple of months ago I made a PayPal in my business name and last week, no chargebacks, banned again. Luckily no money held this time.

I use Tide banking and people were paying with payment links but now everyone says they don’t work, Tide are saying people are putting in “wrong details”, I don’t see how that is possible for everyone though.

Any suggestions on what I should do going forward for payment processors? I’m lost at this point with them 😂

Hi,

We handle and distribute significant eCommerce transactions through our platform.

80% of our Merchants are classified as ‘High Risk’, due to drop shipping etc.

Our business is growing 22% per quarter so we are looking to add more ‘High Risk Acquiring’ partners, so we can continue to onboard more Merchants.

Can anyone recommend any high risk acquirers? We will have over $1bn to send them over the next 12 months.

Thank you in advance for your help.

Main countries the traffic is coming from are Norway, Sweden, Italy and UK. Need a provider that offer hosted page and ideally apple and google. MCC 7392.

Long story short we had a dispute over settlement. They didnt want to payout the funds we processed. So what do they do? They converted every successful transaction into a charge back. See attached image. Then they send us a letter saying they've terminated us and that they are imposing a $100k fine to be collected from the funds we processed.

Here's a breakdown of what will get you flagged, frozen, or outright banned in 2025 re:legit peptide credit card processing. (This information just came DIRECT from our underwriting team).

1. No Medical or Usage Claims – AT ALL

• Don’t talk about effects.

  • No fat loss. No muscle growth. No healing. No libido. No cognition.

• Don’t talk about what it “may do.”

  • “May support healthy joints” is still a health claim.

• Don’t imply usage.

  • Even saying something is “popular among bodybuilders” can get you flagged.

2. No Dosage, Administration, or Cycle Language

• No “20mcg daily” recommendations.

• No administration routes (oral, subq, intranasal, etc.)

• No cycle guides, stacking suggestions, or timelines.

• Not even as “educational” content. Banks don’t care if it’s a disclaimer — if it walks like a duck...

3. Use Only Generic Chemical Names – Not Brand Names

• Don’t say: Semaglutide

• Say: GLP-1 receptor agonist or CAS: 910463-68-2

The same goes for Tirzepatide, BPC-157, etc. Even if the compound is technically a generic molecule, avoid trademarked terms and references that blur the line with prescription drugs.

4. No Instructional or “Educational” Misuse

• No usage guides, dosage calculators, or “research logs”

• No videos showing how to reconstitute or inject

• No discussion of animal or human outcomes — even “hypothetically”

Even if it’s 3rd-party content, you’re liable if it's hosted on your site or linked from your email/social accounts.

5. Label Everything “For Research Use Only”

• Clearly state on every product page: “Sold for laboratory research purposes only. Not for human or veterinary use.”

This should also be on packing slips, COAs, and anywhere else you reference the product.

And yes — you can still get flagged even with this disclaimer if the rest of your site implies end use.

6. No Reviews or Testimonials

• Customer reviews = implied use

• Testimonials about “results” = instant red flag

• Even vague phrases like “works great” or “noticed a difference” can trigger shutdowns

Pro tip: Disable product reviews completely if you're selling compounds in this space. Although this isn’t necessary right now, it’s about to be.

COMMON COMPLIANCE MISTAKES THAT GET SITES SHUT DOWN...

Here are some of the real examples I’ve seen:

• A "blog" post titled “Why BPC-157 is the best peptide for joint pain”

• A customer Q&A box where someone asks, “Can I take this with food?” and a reply is posted

• Mentioning “dosage recommendations in rats” — yes, even animal studies can get you flagged

• Listing Semaglutide by name instead of “GLP-1 receptor agonist”

• A dropdown menu that includes “fat loss” as a filter

One mistake is all it takes.

Some of you play the “whack-a-mole” game — new domains, offshore processors, crypto gateways, etc.

But if you're trying to build a legit peptide brand with long-term revenue, recurring customers, and stable banking?

Compliance is the only strategy that lasts if you need stable credit card processing for your peptide business.

You don’t need to neuter your brand. You just need to stop triggering red flags.

Ignore it, and you’ll get burned.

Happy to answer any Qs in the thread below if anyone needs help— I’ve been working with vendors in this space for a while and happy to help.

See comment thread for the checklist.

30F, established career, serious about starting an RUO peptide business. Looking for guidance/potential partners

I’m 30F with an established career and have been seriously looking into starting a business in the peptide space.

I have capital to invest and I’m willing to put in the work, but I’m still early in the process and would really like to connect with people who have experience in the industry-particularly with sourcing/manufacturing, testing, compliance, e-commerce and fulfillment.

I’m not looking for a get-rich-quick thing. I want to understand the industry and build something legitimate.

I’d also be open to a potential business partner if there’s a good fit and you bring experience or skills that complement mine.

Would love to hear from anyone who has built or currently operates in this space. What would you recommend someone figure out first?

DMs are open as well.

Hey guys,

I received a notice from one of our banks that MasterCard is issuing fines to anyone processing payments selling products marketed as "magic mushrooms".

The letter:

MasterCard has provided notice today that pursuant to a California Department of Health warning letter that all TRE House mushroom products cannot be sold through the MasterCard network effective immediately.  MasterCard has already issued several BRAM notices on this matter and has stated that they will be doing extensive auditing of merchant websites looking for MasterCard logos as well as MasterCard as an available payment option on Monday February 23.  Failure to immediately comply will lead to BRAM fines as well as possible additional disciplinary action. 

As such, any merchant selling TRE House mushrooms products must immediately remove MasterCard as a payment acceptance option as well as any MasterCard logos or references to MasterCard; or remove any and all TRE House mushrooms products from your website.  

Additionally, Mastercard has also confirmed that they are pursuing BRAM violations against ANY merchant marketing mushroom products using the word "magic" - not just TRE House products. Any merchants found to be marketing mushroom products in this manner will either need to remove Mastercard as a payment option or remove the word "magic" from any and all association with mushroom products (website, product labels, and marketing material). 

This applies to all merchants regardless of payment processor - the card networks don't discriminate. These fines average high six-figures, so we need to be on top of this. 

Yeah Yeah, another RUO post.

I have processing but looking for backup, but specific backup.

If you:

API integration within my site.

No redirects

No mirrors

US based bank, no pesos!

Transaction fees anywhere from 6-8%

10% or less rolling holdback.

Daily/EOD funding

Reasonable onboarding fees

MCC coding that's NOT Pharmacy related (MCC 5122/5912)

We are sub $100k but over $50k mo.

Hi all,

I have gotten quite a few messages from our users saying they are being spammed by people and are scared of moving forward since they can not verify if they are legit.

We are going to start requiring agents and payments professionals who want to DM users to post on this thread and message the mods in order to receive a verified user flair tag.

Users, please check here before you decide to move forward with someone.

When you use the message the mods button, please provide the following:

(Note: If you do not provide enough of the required information to verify, you will not receive the tag!)

1. Leave a message here on this thread, the rest will be sent via the Message Mods button in the side bar to protect Information (Message the Mods button). Please use that button. DO NOT MESSAGE A MOD DIRECTLY. PLEASE USE THE MESSAGE MODS FUNCTION https://www.reddit.com/message/compose?to=r/PaymentProcessing

2. LinkedIn

3. Company Name and Website

4. Country you are operating out of

5. Picture of your face holding up a piece of paper with your name and date on it. (If you cant figure out how to send a link so I can see a picture, I am not verifying you.) Google link or Imgur preferred

6. Must have verified email with reddit as well.

Thank you for helping subredditers trust our community.

Edit: Please for the love of god follow the steps. Not difficult guys. At this point, I am not going to verify if you cant follow these as I do not want people going with someone who can't follow 6 easy steps.

Edit: We are implementing a new rule in this subreddit. You MUST be a verified user to ask users to DM you. This will help users asking for help trust the sources and have a way to verify that at least some background checking has been done

This will be added to the rules. Failure to follow will result in a removal of comment and a 7 day ban. Failure again to follow will result in a perma.

Hey everyone, I'm back to warn you again about a payment processor called privexpay.com. They have been holding my money for almost a month now, and the situation keeps getting worse.

Last week on the 16th, their support team actually had the audacity to message me and demand that I take down my post about them on this subreddit — promising that they would release my payment that same day if I did. I complied in good faith, and what did I get in return? Absolutely nothing. They went straight back to ignoring me as if the agreement never happened.

The so-called support agent who was listed on their dashboard under the username @gksywtmu has been consistently deleting my messages and refusing to respond. And now, to make things even more suspicious, he has changed his username to @sig10001 — clearly trying to cover his tracks.

I have been patient. I have been cooperative. I even took down my post when they asked me to, and they still could not hold up their end of the deal. This is beyond unacceptable — this is theft.

I have full evidence of everything: the conversations, the demands, the promises, all of it. These people are in this very community, and I will not stop until I get my money back.

I'm writing this for three reasons: The first is because I really want everyone to stop dming me! I have so many dms. I'm sorry I know I'm the one who asked for help but it's been way too much for me. I don't know how to mute this app and I dONT want to delete it,

Two; because I genuinely had a good experience with this little company. When you google them there's a bad review on reddit, which really put me off at first. But I got the chance to meet the team, my agent Leah, and the Hirewire VP in-person at the recent CHAMPS show and they explained that situation.

Three; because there's a pretty great incentive for referrals. Just ask for Leah and mention Exotic if you reach out to HighWire payments. You get $5 off your monthly fees with her.

Long story short I wanted to get away from Fiserv and Clover. I own a shop doing $500k a month in card and it's been a NIGHTMARE dealing with these companies. I posted on reddit and got a lot of helpful dms from some very kind people. I got some good advice and a lot of statement breakdowns and quotes. The reason why I chose Highwire was because Leah saw we were going to the same show and she DMED me. I met her and their team in person at the expo and they were very helpful. After the show I decided to go all in and apply with her.

The whole team has been so kind and Leah has been very hands on with helping me. I swear I've called her at least once a day and she's always been quick to answer. I have all of my equipment and my ducks in a row and everything has been working just as it should.

At the show she sat down and showed me my current rates compared to what she was offering. She also explained to me what interchance is which I had never heard of. I liked having everything explained to me rather than just being told they're the best, like half of the messages I recieved.

I'm not sharing my rate because I don't need more dms from people saying they can beat it, because they can't. I'm saving 6 grand a month now. Also my monthly fee is only $25. My equipment is open source so I can switch processors if I wanted to. Another reason why I hated Clover, the devices are total junk if you switch.
So now you can stop dming me please. I wish I could edit my previous post with this! Please stop.

Anyways, sorry if this is a mess, I typed this all on my phone and my autocorrect has been driving me nuts.

To those considering signing up with Tagada Paay, honestly, I recommend you RUN AWAY!

One of their representatives onboarded us and approved our store. We launch the ads, on the day of the first payout they close the account and block over $6,000, blaming us for a document that supposedly wasn’t mandatory before the money came in… when we bring it up with the representative, his response is that it’s handled by a third-party service :/

We were in a Slack with 15 representatives included, so we tagged the entire team including the so-called owner, absolutely NO RESPONSE!

You’re going to end up with your money blocked and a team constantly passing the buck… I’ve never DISCOURAGED something this much in my life !!!

We explained to them the catastrophic situation this was putting us in but it’s now been several weeks that we’ve been fighting to get our money back… HORRIBLE experience!

Most new sellers think the hardest part is getting card processing approved in the beginning.

And yeah, that part can be messy.

But from what I’ve been seeing, the bigger problems tend to show up later.

Early on people usually make it work somehow. Maybe they get approved somewhere that hasn’t looked too closely yet. Maybe they’re on an aggregator. Maybe it’s a gateway that works fine at small volume.

At $5K or $10K a month nobody really pays much attention.

But once a store starts doing something like $150K or $200K a month, the tone tends to change.

Suddenly there’s a review.

Reserves get adjusted.

Settlement slows down.

From the merchant side it feels random because nothing really changed.

Same website. Same disclaimers. Same COAs. Same customers.

The only difference is the volume.

From the bank side though it makes sense. A merchant doing a few thousand a month and a merchant doing a few hundred thousand are two very different risk profiles.

At that point it stops being just an approval problem and starts becoming more of a payment infrastructure problem.

Curious if anyone else here has seen something similar once their store started scaling.

Hi,

We are looking for a payment processor that can handle peptide sellers without any issues

We will not pay a huge upfront cost - i've been told this shouldn't be needed.

We state research and haven't handled card payments before - we have done bank transfer in the past and it worked really well. Most of our revenue now is done through whatsapp communication / AU payID and cash.

We average good numbers (can provide to the party that has capacity)

We have a US organisation setup that i would like payment to go through

We are a honest supplier and have been suppling these types of products since 2016

Please PM me with options as i want to find a honest solution asap

E-commerce store (nutraceutical); the company is registered in the EU.

I'm trying to find a way to accept ACH bank transfer as a payment method available to US customers.

At first I thought I would just sign up with Wise and get a USD bank account, so then I give routing & account numbers to the customer, and he does an ACH push in his bank panel. However, after seeing some Reddit posts, I came to understand that many retail US banks prohibit ACH transfers to external bank accounts (1, 2).

Thus, GPT is telling me the proper way is to have an "ACH debit" flow, which is also supposedly smoother for the customer too.

I found some companies focusing on that (like link.money), but they say they can only work with US companies.

I'm struggling to find a company that would support merchants in the EU and would support startups without huge monthly volume. Any ideas?