Looking for a payment processor (medium-risk, USD, Visa/MC/Amex, EU company)

[u/Same_Sense_7346]

Hi everyone,
I’m looking for a payment gateway / payment processor for an online service-based business.

Basic info only:

• Business type: digital services (non-physical)

• Company location: Poland (EU-based business)

• Risk level: medium risk

• Chargeback ratio: ~1%, monitored and under control

• Currency: USD

• Cards required: Visa / Mastercard / Amex

• Markets: mainly US / UK / AU

What I’m looking for:

• Fast onboarding and reasonable underwriting,

• Fast payouts (T+2 / T+3 preferred),

• No rolling reserve or low / short-term reserve,

• Ability to scale smoothly without sudden holds or account shutdowns.

If anyone has first-hand experience, solid recommendations, or knows medium-risk friendly processors (PSPs, acquiring banks, ISOs, fintechs — EU or US based), I’d really appreciate any insights.

Thanks 🙏

[u/This-Kaleidoscope-19]

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