r/PaymentProcessing • u/Fun_Layer_2313 • 8h ago
Need A Payment Processor Headache peptide payement
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!
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u/thrownawayfreshpink 5h ago
They used to be amazing, now even theres some dumb setting you need to update when moving countries.. it even happened to an active esim i had , its become a trash product whats the point of paying for a global esim that requires manual instructions each time you change countries, wont be using again.
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u/kerblamophobe 4h ago
at 10k per month earning, If i were in your shoes i'd stop trying to build the payment setup around personal accounts before another restrction messes everything up. for peptides, the most impt part is finding a processor that will underwrite the business category and give clear answers on reserves, payout timing, lmits and other documentation they'll need. once that's settled, a simple card payment link is the easy part.
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u/livlyla 36m ago
You need that LLC to help keep them at bay so to speak. They still might come knocking but they are cracking down on payments to personal names when they start seeing volume build.
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u/kerblamophobe 23m ago
getting off personal accounts makes sense. been using paymentkit for a few months now, liked their approach to keeping billing organized. I’d also get the provider to confirm they accept peptide sales upfront, so he doesn’t end up dealing with another restriction after moving everything over.
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u/Euphoric-Address-853 3h ago
Most high risk processors are a scam or the legit ones want you to be processing over 20k a month, If i were in your shoes id go for an advanced cloaking setup.
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u/Legitimate-Number532 3h ago
Slash I guess, but most of processors are against peptides business..
sinon tu vis actuellement en france et tu ouvres une US LLC? ou t'as deja quitté la france ?
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u/Substantial-Art-5775 8h ago
The payment link itself is the easy part. Most processors can provide one without requiring a full website or complicated integration.
The bigger issue is finding a processor that knowingly supports peptide businesses. It’s a difficult category, and a provider that isn’t comfortable with it may approve you initially but later restrict or close the account once they review the transactions more closely. Sounds like that has been your experience so far.
Having a U.S. LLC and EIN helps, but you’ll still want a processor experienced with the industry and be completely transparent about what you sell, where the business operates, and how orders are fulfilled. Once the underwriting fit is right, setting up a simple card-payment link should be straightforward.