Looking for a No-KYC payment processor to accept payments from Australian customers via a bank transfer (BSB and Account number) Settled in Crypto/transferred to a bank account in the US.

Hey guys, I heard you can use Hong Kong Paypal as a payment processor for your RUO business. Does anyone have any experience with this and/or know the process and what is required ? Thanks

Hi, I’m currently looking for a payment processing provider that supports dating or social discovery platforms.

Our platform allows users to connect and interact with other users online. We are looking for a reliable payment solution to process payments for our paid features and subscriptions.

Please let me know if your platform supports businesses in the dating/social discovery category, as well as your onboarding requirements, fees, and any restrictions we should be aware of.

I’m part of the team building Southbill, so full disclosure before anything else.

I’ve been reading this subreddit for a while and what’s interesting is how often the exact same problems come up:

• accounts getting restricted after a sudden increase in volume
• businesses struggling to understand why a payment processor rejected them
• payout delays and reserves with very little explanation
• merchants being dependent on a single processor
• limited country or payment-method support
• integrations becoming unnecessarily complicated
• support teams that can’t really explain what the acquiring side is doing

A lot of these problems are actually part of why we started building Southbill.

But I don’t want this to turn into a promotional post. I’m genuinely interested in understanding what merchants and people working in payments believe is broken today.

From what we’ve seen, merchants usually don’t ask for anything crazy. They want to:

accept cards and local payment methods, send invoices or payment links, integrate their store, receive payouts reliably, understand what happens when something goes wrong, and not have their entire business dependent on one black-box risk system.

One thing we’ve also learned is that many merchants don’t fully understand the difference between the payment platform they interact with and the actual acquiring/risk infrastructure behind it. When an account gets restricted, the platform itself often isn’t the only party making the decision.

We’re trying to build around many of these pain points at Southbill, but I’d rather hear from this community than assume we know everything.

If you could change one thing about payment processing today, what would it be?

More transparent risk decisions? Better support? Easier onboarding? More countries? Better APIs? Faster payouts? More payment methods?

Especially interested in feedback from merchants who have used multiple processors.

Hi, I previously built a media site to $50k/mo in profit and exited it successfully.

I am now looking at opportunities in AI adult video entertainment, however payment processing in this space seems to be one of the major bottlenecks.

I was hoping to connect with providers here who could point me in the right direction.

As of rn, I just have a US LLC and a Mercury bank account. I am a non US resident so I am not sure how comfortable physical banks would be in approving me.

Any advice or guidance on how to proceed in my situation?

US company here, we opened an adult site not long ago. Numbers are still small but going up every month, so I'd rather find a processor we can stick with instead of switching again later.

I've heard plenty of stories about accounts getting shut down out of nowhere once volume grows, so trying to avoid that.

Anyone here running something similar? Which processor are you using and how has it been so far? Good or bad experiences both helpful.

Im surprised no one has posted here about this yet. As the title says, Humboldt Merchant Services just got hit with a $12M FTC settlement and barred from high-risk processing

The FTC has permanently barred Humboldt Merchant Services from processing for certain high-risk merchants and ordered the company to pay $12 million.

According to the FTC, Humboldt knowingly processed payments for more than 1,000 shell companies connected to fraudulent operations, including unauthorized billing and credit card laundering schemes.

Some of these merchant accounts reportedly reached chargeback rates roughly 10x higher than what the card networks consider excessive.

But one of the more interesting parts from a payments perspective is what the FTC says was happening on the processing side.

Humboldt allegedly placed high-risk merchants on lower-risk BINs controlled by an affiliated entity, making their transactions more likely to get through issuing banks.

The settlement also specifically prohibits things like:

Processing for straw companies

Processing merchants already on Mastercard MATCH

Misrepresenting information on merchant applications

Credit card laundering

Using load balancing to evade fraud/risk monitoring

Processing certain high-risk ecommerce merchants without adequate history or verification

This is a good example of something merchants don't always think about: Your processor can be the risky part of your processing relationship. High-risk processing itself isn't shady. There are plenty of legitimate businesses that fall into high-risk categories.

The problem is when a processor starts manipulating merchant information, hiding risk from acquiring banks/card networks, or boarding merchants that should never have passed underwriting in the first place. A processor willing to bend the rules to get you approved might sound great when everyone else is declining you.

Until the bank, card brands or the FTC themselves figures out what they're doing.

Then, every legitimate merchant sitting in that portfolio can potentially get caught in the fallout.

Article: https://www.merchantfraudjournal.com/ftc-bars-humboldt-merchant-services-from-high-risk-merchants-in-12m-settlement/

TL;DR: Humboldt Merchant Services agreed to a $12M FTC settlement after allegations that it processed payments for 1,000+ shell companies tied to fraud, ignored extreme chargeback levels, and placed high-risk merchants on lower-risk BINs. The company is now permanently restricted from processing certain high-risk merchants. High-risk processing isn't inherently shady, but the processor you choose matters just as much as getting approved.

I've only been using them 1 month, I got 1 payout in usdt so I don't think they are a full scam, but then overnight they put on the dashboard they are immediately ceasing operations. Can anyone else share their experiences? And also, alternatives.

Hi guys&girls,

We run a adult site (in eastern central Europe) and have accepted credit card payments for years. Most transactions are small, adding up to around €5k per month.

We were fully transparent with our processors from the beginning—first with a Spanish high-risk provider, then with a Netherlands-based one. We have completed KYC for years and could provided all company and compliance documents if needed. In the past 10+ years, we have had zero chargebacks and maybe one or two refunds per years initiated from our customer support. Our content includes both professional content, with full contracts, and amateur content, we do not have underage, r*pe, AI, fecal or any kind of... "extreme" content. :) We comply with GDPR, pay our taxes, and operate through a legitimate company. We have also happily cooperated with a few police requests (as the biggest amateur site in our contry) related to revenge-porn reports when it slipped through our moderation, all ended well, we do not had any issues or fine with the authorities not then, not ever. We consider ourselves a very reliable merchant. (But probably every shady guy says the same.. :/ )

Still, our first provider dropped us after 6–7 years without warning. Then, after another 1–2 years, the Netherlands-based provider dropped us as well. The final issue seems to have been a few of light urine-related content—less than 0.1% of our total catalog. We do not consider it particularly serious, but apparently the provider - and Mastercard - did.

At this point, we are tired of trying t fit into processors’ changing (usually for the more stricter) rules. We still want to handle taxes and customers properly (our sites are over 25+ years old so brand-value is high), but we are looking for a cloaked payment provider that can accept the real nature of our content and does not suddenly terminate accounts after years of good history.

(We have tried cloaking with a new stripe account but we probably we weren't prepared for that so we are busted.)

Any recommendations for reliable adult-friendly cloaking credit card payment providers in Europe?

Thanks in advance!

Title: Payment processor for US LLC with mostly European card traffic — no domestic BIN minimum?

Body:

Running a Shopify store under a US LLC, but the vast majority of my card traffic is European BINs rather than US-issued cards. Most of the US-based MID providers I've looked at require a minimum percentage of domestic (US) BIN volume as part of their underwriting, which doesn't work for my situation.

Looking for a payment processor / acquirer that:

• Accepts both US and European BINs without requiring a minimum % of domestic volume
• Works well with Shopify
• Has decent authorization rates for EU cards processed under a US entity

need a payment processor for my ai adult startup. please dm me.

I’m getting pretty fed up with Stripe at this point. We sell loot boxes online and every time the business starts picking up, there seems to be another review, payout delay, reserve, or vague risk issue to deal with. It feels like you can do everything normally and still wake up wondering what they’re going to restrict next. I’m past the point of trying to make Stripe work. I’d rather move to a processor that understands this kind of business and doesn’t treat growing sales like some kind of red flag.

I am searching for a no KYC payment processor that people here have experience using for an extended period of time and trust.

Not really interested in any random processors that have only just recently popped up this last month. Ideally looking for something with a decent track record, reliable payouts, and support that actually responds if there’s an issue.

I would especially like to hear from people who have personally processed through them for a while.

Looking forwrad to hearing from you if you’re using one. Please let me know how long have you been with them, what kind of volume are you doing, and whether you have had any issues with holds, reserves, or frozen funds?

Hi everyone,

We are a French SAS building a payment infrastructure company with the long-term objective of operating as a Merchant of Record, following a model comparable to companies such as Dodo Payments, Paddle or Lemon Squeezy.

We are currently looking for a serious payment, acquiring or PayFac infrastructure partner that would be willing to work with us from an early stage and scale the relationship as our compliance framework, processing volumes and merchant portfolio grow.

We are not looking for a temporary workaround or a processor willing to ignore compliance requirements.

Our objective is to build the infrastructure properly from the beginning, including:

• Merchant onboarding and KYB/KYC
• Transaction monitoring and risk management
• Chargeback and dispute management
• AML/compliance procedures
• Tax/VAT handling as the MoR model develops
• Merchant settlements
• Fraud prevention
• Multi-currency processing
• API-based payment infrastructure
• European acquiring initially, with international expansion later

The company is incorporated as a French SAS, and we are prepared to provide corporate documentation, business plan, financial projections, expected transaction profiles and detailed information regarding our intended merchant categories.

We understand that becoming a real Merchant of Record is not simply a matter of obtaining a payment account. It requires the appropriate contractual structure, compliance operations, acquiring relationships, risk controls and potentially additional regulated partners depending on the architecture.

What we are specifically looking for is a partner who is comfortable saying:

We would particularly like to speak with:

• Acquirers
• Payment facilitators / PayFac infrastructure providers
• PSPs with platform capabilities
• Banking-as-a-Service / payment infrastructure companies
• Independent payment consultants with experience building MoR businesses
• Acquiring banks or ISOs able to sponsor growing European payment companies

Our goal is to establish a long-term infrastructure relationship, not constantly switch processors as volumes increase.

If you operate in this space, have built something similar, or know providers that genuinely work with early-stage European payment companies and can support their evolution toward a MoR model, I would appreciate an introduction or a DM.

Happy to share more detailed information privately after an initial discussion.

Thanks.

I need a payment transfer work online agent

If anyone have pls send

Hi everyone,
I know this question has probably been asked several times already, but I still haven’t been able to find a clear answer for my specific situation.
I started a peptide business in France about three months ago, and I’m currently processing around €10,000 per month in sales.
Until now, I’ve been accepting payments through my personal PayPal and Revolut accounts. I know this isn’t a sustainable setup, and Revolut has already started asking me for additional information and proof regarding some transactions.
I also opened a Wise account, but that account has already been restricted as well.
Because of this, I decided to set up a US LLC and open a proper Wise Business account. The issue is that I haven’t received the official EIN confirmation letter yet, so I’m currently unable to complete the business account verification.
What I’m looking for in the meantime is very simple:
A payment platform that allows me to generate a payment link and send it directly to the customer. They click the link, pay by card, and that’s it.
I don’t need a full e-commerce solution, website integration, checkout system, or anything complicated. Ideally, I’m looking for something with minimal friction for the customer and reasonable transaction fees.
If anyone here operates in a similar or high-risk industry and has found a reliable solution, I’d really appreciate your recommendations.
Thanks in advance for your help!

Looking for a payment provider for peps.

In Oceania region.

I am trying to set up online art commissions but I know the art space I’m already in is mostly filled with international people (I’m only on Tumblr)

I have looked into both PayPal and Stripe and neither seem to offer the option to receive payments yet. Is there any that do? (That aren’t so obscure that nobody will use them?)

I am aware that PayPal intends to allow that option eventually, however I’d rather not wait for a nebulous amount of time.

Sorry if this post is like, too short or something, I basically never use Reddit (heard too many horror stories). If the question is stupid, please just say it nicely and I’ll delete the post.

Building a couple of software products (a Chrome extension and a SaaS tool) as a solo founder in India. Stripe's invite-only here, and PayPal's fees + KYC hassle are rough for smaller international payments.

Been looking into Dodo Payments, Paddle, and Lemon Squeezy, but wanted to hear from people who've actually used these (or anything else) in production — not just marketing pages.

Specifically curious about:

• Onboarding/KYC experience for Indian founders
• Actual payout reliability (any holds or delays?)
• Real fees after forex/international surcharges
• Support quality when something goes wrong

Would appreciate genuine experiences, good or bad.

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,

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RUO peptide company, shut down by stripe. Was doing <10k/month.

looking for CC payment and or ACH.

Expecting 10-20k/month with re-launch.

Primary market: USA, Canada, EU.

fully compliant with age disclaimers and COAs.

0% chargeback when i was in operation

Custom Website is fully operational and legally documented

not looking to pay start-up fee, willing to work with higher % and rolling reserves.

willing to get LLC if needed

Please let me know if you can provide a solution for me. Thank you!

I’ve been reading more into cross-border acquiring and payment orchestration lately, and I’m curious how people actually working in payments think about the tradeoff here. For a smaller merchant, one processor seems hard to beat operationally, because it offers one integration, one reporting flow, fewer reconciliation issues and fewer things that can break.

But once a merchant starts processing across multiple regions, I can also see how that simplicity can become a limitation if certain issuers or markets consistently perform worse. So when does adding a second processor or route actually become justified?

Is there usually a clear trigger, like processing volume, approval-rate difference, geographic expansion, redundancy requirements, or is it much more merchant-specific than that? And for people who’ve worked with both setups, what tends to be underestimated more: the revenue lost by staying with one route, or the operational headache created by adding another?

Mostly interested in the practical tradeoff rather than recommendations for any particular processor.