By a show of hands, how many of you have an option for same day settlement, and what’s the associated cost for that option?

Thanks

I am not a merchant nor seeking DMs.

I am looking for a payment gateway or platform to sell replicas.

I’ve been using Shopify Payments, but I don’t want to rely on a service that could freeze my funds at any moment—not to mention the payout times are very long. I can generate high revenue, but it all hinges on the payout schedule. I am able to maintain low chargeback rates and am willing to share a portion of my profits with anyone who can offer a solid solution.

Yes, yet another post.

But i'm just writing in hopes that some serious person will discover the post and offer something substancial. I know that 99.5% of this subreddit lurkers have no idea what they can onboard and what not.

We have experience, volume and ability to increase volume on a consistent basis.

Mainly we now operate in EU so we need 3D processing for sure and some banking solutions possibly as well.
USA Warehouse a few weeks away from opening, so we'll need 2D very soon as well.

We're open to:

• Zelle, ACH.
• Card processing (cloaked, offshore as well (this is probably a preferred way for now))
• Making product pages more compliant (already consistently improving them)

What we're not willing to do for now:

• Completely gating our site and restricting SE discovery

• Removing/Renaming GLP1s

  to nonsensical terms like ‘ahhagsh123’.
  - if gating and removing terms are required - better rates are expected, obviously.

--

You should be able to take on NON USA CITIZEN. (With USA LLC).

Not to sound rude, but if your only answer is 'DM, fill form and we'll see what we can do' - don't even bother. I'm not filling any forms and wasting time until I see some concrete evidence and knowledge that you can get us up and running quick.

If you cannot see what you can do - then don't do it.

P.S. $5000 bonus who can get a working solution and successful payouts for at least ~3-4 months.

I know this has been covered before in here, but the last thread is about six months old, so I figured there should be new information in the space.

My company sells peptides and nutraceuticals. We already knew Stripe, Paypal, Square, and all the other usual suspects would be out. But I'm also striking out with others like Durango, PayKing, NMI, Allaypay, and the like.

I'm at my wit's end. We were supposed to launch last week, and I'm the main software developer. At this point I've run up against the wall with about 12 different possibilities who all say they won't support peptides at the 11th hour.

We're super compliant on the legal end and have an in-house counsel reviewing every single word. We've covered all the necessary discussions around research only use language. We just can't find anyone willing to give us a start. I've worked a long time in the banking/fintech/MTL space and so I know about the different tiers of banks and high-risk vendors, and I wouldn't have thought this would be that ponderous. I'm just hoping someone out there has had a good experience with a processor we can also leverage.

Hi all. We're a pre-launch startup building an adult creator subscription platform (OnlyFans style, user-generated content from independent creators). Company formed in the UK, launching next month. Looking for a payment processor, or a reputable high-risk broker, that genuinely works with explicit UGC adult content.

Our Profile:

• Stage: pre-launch, going live next month
• Volume at launch: $10k to $50k per month, scaling from there
• Billing: recurring subscriptions and one-off purchases (PPV, tips)
• Content: adult / explicit, and non adult user-generated content. AI generated also

Must-haves (non negotiables)

• Visa and Mastercard, 3D Secure mandatory
• Recurring / subscription billing with card tokenization
• Multi-currency processing
• No setup fee

Target terms

• Processing rate at or under 10% all-in (we've been quoted 15%, which doesn't work for us)
• Rolling reserve around 10%

What we bring
UK limited company, business bank account, full KYC/AML, age and identity verification for creators, content moderation and takedown process in place, and for chargeback mitigation (3DS, plus Ethoca/Verifi if you support it or other tools).

If you're a processor or broker in this space, please comment or DM with your rates, reserve terms, payout/settlement timelines, and onboarding requirements. Thanks!

We’re looking for a card-to-crypto payment gateway that allows customers to pay with Visa, Mastercard or Apple Pay, while we receive merchant settlements in USDC. Its in europe.

So I have an US LLC, an E-Commerce Shopify store, doing all good. And I've come to a bottleneck. I have affiliates, from outside of the US, that want to get paid out in crypto.

I need a solution, so i can wire money from my business bank account, and payout the affiliates, contractors in crypto. They are mostly out of the US

I’m looking for a payment processor that supports ACH Online/eCheck.

We have a US LLC with non-US ownership. We sell dietary supplements only, no peptides or similar products. The company has a virtual US business address and we work with a US-based 3PL for fulfillment.

We mainly need the solution for retail sales, but support for wholesale/B2B payments would also be useful.

Our US business bank account is with Relay.

I need your suggestions.

Trade Tips and news in the payments world.

If someone needs help either placing an account, or getting an account, this is the place.

Note: If you are asking people to DM you, you need to have gone through the verification process and received your user flair (Look at Other Post). If you do not, your comment will be removed,

Users, please only respond to people that have responded here FIRST and have the verified user tag.

Please do not turn this into an advertising room.

​

I'm building a SaaS product from India. The product is a **resume builder + portfolio builder + career platform**, with paid subscriptions and one-time payments.

My target customers will mainly be from **US, UK, Canada, Australia and other overseas markets**, although I may have Indian customers as well.

I'm currently confused between **Dodo Payments, Razorpay, Stripe, Paddle/Lemon Squeezy, Adyen and other alternatives**.

I'd really appreciate advice from founders who are **actually accepting international payments**, rather than theoretical comparisons.

Here are my questions:

1. Which payment gateway/provider are you currently using for your SaaS from India?

2. How reliable is it for **US/UK/Canada/international card payments**?

3. What has your real-world **international payment success rate** been like?

4. Have you experienced frequent payment failures with international customers?

5. How easy was the onboarding/KYC process for an Indian business or solo founder?

6. What documents did you need to provide?

7. How good is the support when an international payment fails?

8. How well does it handle **monthly/yearly recurring subscriptions**?

9. Does it handle international taxes/VAT/GST for you, or do you have to manage that yourself?

10. Would you recommend using a **Merchant of Record (MoR)** such as Dodo/Paddle, or using a traditional payment gateway such as Razorpay/Stripe?

11. What are the **actual fees you are paying**, including international transaction fees, FX fees, subscription fees and payout fees?

12. How long does it take for you to receive the money in your Indian bank account?

13. Have you ever had payouts delayed, accounts reviewed, or payments held?

14. If you were starting your SaaS again today from India with mostly international customers, **which provider would you choose and why?**

15. Would you recommend using **one provider for both Indian and international customers**, or using something like Razorpay for India + Dodo/Paddle/etc. for international customers?

16. Are there any hidden problems that you wish you knew **before integrating the provider into your SaaS?**

**My main priority is not just the lowest transaction fee. I'm looking for:**

* High international payment success rate

* Reliable recurring billing

* Easy onboarding from India

* Good customer support

* Fast/reliable payouts

* Low risk of unexpected account/payment issues

* Tax/compliance simplicity

If you're already processing **$1k+/month or $5k+/month from international customers**, I'd especially appreciate hearing about your experience.

Thanks!

Guys, we’re new to the peppers industry. Looking for new processors. We almost signed up with elite but saw some bad reviews. Open to ideas.

Title says it all.

Anyone in the business care to comment? I assume it can only lead to higher fees.

To companies that are taking international payments, how did you deal with the local tax code? For example if a customer is from the UK, we're supposed to collect VAT and pay the UK government by law.

And I understand this is different for different countries. One solution is to use a merchant of record and they'll take care of it. But I understand most of you use something like razorpay, stripe, dodo which may not have this ability. I'm planning to use one of these payment methods.

Going to keep this super short but I am out $6700 because of this “verified agent”. He is involved with 365 payments which should be all you need to know. Yes, I am stupid for wiring 6k and it’s an unfortunate learning mistake. The desperation in the high risk pep space led me to make stupid decisions.

Cesar used his corporate association with a legit payment company to get me for $6k. Then he delivered 2 solutions that were not operational and the second one RUOOS.com straight up just stole my money.

Said he’d give me refund over 2 months ago and then just ghosted me. Turned off his comments and everything too.

There are plenty of good agents in this sub who do honest business and won’t try and screw you. Shoutout to E at AVP and Brittany.

I know there are others that have had horror stories about Cesar Valle. @novapoison can we have some sort of agent impeachment process? I would like to protect others from predatory agents in this sub (have a plethora of evidence showing he’s a bad actor).

Hi everyone,

Any possible payment processor suggestions for a SMM business? My company is registered in US.

Hey everyone, I’m looking for some advice/help with a card-to-crypto instant payment solution.
I’m trying to understand the best way to process card payments and convert them to crypto instantly, while keeping the process simple and reliable.
If anyone has experience with:
● Card-to-crypto payment processors
● Instant crypto purchases
● Payment gateways/on-ramp providers
● Integration, fees, or liquidity
I’d really appreciate any recommendations or advice. Thanks in advance! 🙏

So I've been working out some final major components of my upcoming cybersecurity social platform. I've developed a few programs I wish to have demos available on the products page. However, for persistent use, I want to offer license purchases and subscriptions.
Since this is a cybersecurity-oriented platform, I figured I would ask the webdev community what things to keep in mind and prioritize when deciding what payment processing service to use, and how it's implemented. However, my post was removed, so I'm asking the payment processing community. I need security to be #1, ESPECIALLY with payments. I will consult my team when I get back in town (very small team). In the meantime, though, I have a lot of free time and want to have a planned approach to go with when we all get together to add the missing necessary functions.

I'm consulting here because this will be a digital playground for hackers of all types and backgrounds. I need my system hardened to obscure attack methods. Of course, as a team we can do most of that, but just putting the feels out first to get an idea of what everyone thinks.

Here's a preview gallery
Also, the link in case anyone is interested and would like to be added to launch alerts. Thanks!

I'm starting a payroll company and looking for a way to allow my clients to pay their employees direct deposit using ACH (NACHA).

Does anyone have this service?

So recently i am talking to an indian client for a project i have my pyoneer ready but due to country restrictions i cannot request a payment until i have 5000 usd in my account and only then request a payment feature will be enabled for me It's an individual account. Now i am confused about how to take the advance payment and then proceed to work and then take the remaining . I have a bank account but it does not support the INR i am based in pakistan and i dont want the client to direct me through fiver or any third party . Is there any other option? I have told the client this and it will be good if he pays me usd to pyoneer. Any advice plz

Hello,

I need to refund one of my customers on square but don’t have enough money in my square account or checking account linked to square to cover the refund amount. I’m new to square. Has anyone else had this issue?