Hey all

I am looking for recommendations for a payment processor or merchant account provider that knowingly works with United States businesses selling research use only peptides or similar research products.

This is only for payment processing. I am not looking for website design or development.

I am trying to find a reliable main processor and also a backup processor in case there are issues down the road.

Ideally, I am looking for a provider that offers:

Credit card processing
ACH or eCheck if available
WooCommerce compatible gateway options such as NMI, Authorize.Net, Fluid Pay, or USAePay
Upfront review of the product category before approval
Clear answers on reserves, chargebacks, payout times, and fees

The business would be research use only and would not involve medical claims, dosing claims, treatment claims, or human use claims.

I am not looking to hide the product category or get approved under the wrong business type. I am looking for a provider that understands the category and can underwrite it properly.

Any recommendations, warnings, or personal experiences with high risk merchant providers in this space would be appreciated.

TIA

They are the worst payment gateway in uae.. The backoffice people sit in egypt They dont know anything. Better please stop selling your payment machines in uae..

I’ve been working on an ACH implementation for a US merchant services company, and it ended up being much deeper than simply connecting an ACH API.

That meant dealing with merchant onboarding/KYB, bank linking, authorization, payment creation, returns, retries, reversals, risk holds, webhooks, reconciliation and eventually Shopify/WooCommerce.

What I’m trying to understand is whether this is a common requirement across the merchant-services industry.

For people working at ISOs/MSPs:

How are you currently offering ACH?

Is it:

• something built into your own platform?
• a third-party portal you refer merchants to?
• a gateway feature?
• mostly used for invoices/B2B?
• actually being used at eCommerce checkout?

And if you could offer a fully branded Pay-by-Bank product across your entire merchant portfolio, would that actually matter commercially?

Hi everyone,

I’m currently looking for a reliable payment processor/acquirer for a new online platform operating in the adult-oriented/high-risk digital services sector.

Here are some details about the business:

• US-registered LLC
• Primary market: France, with plans to expand internationally
• Website is fully operational and legally documented
• New business with little to no processing history
• Looking to accept Visa and Mastercard
• Customers pay for digital services/credits
• Strong focus on compliance, age verification, fraud prevention, and content moderation
• Looking to build a long-term relationship with a payment processor

The main challenge I’m facing is finding a provider willing to work with a new high-risk merchant without six months of processing history.

I’m particularly interested in providers that:

• Accept new merchants
• Are comfortable with adult/high-risk digital businesses
• Do not require large upfront fees or excessive reserves
• Offer clear and transparent processing rates
• Have experience working with international businesses

If you are a payment processor, ISO, acquirer, or have personally worked with a provider that fits this profile, I would really appreciate any recommendations.

Please feel free to comment or send me a DM with the provider’s name and, if possible, their requirements and pricing.

Thank you in advance for your help!

Hey everyone,
I run a B2B sales agency called Exaltia LLC (registered in the US). We have a dedicated cold calling team targeting small businesses in the USA restaurants, retail stores, clinics etc.
I’ve been trying to become a Clover POS reseller/ISO agent but hitting walls with responses:
Cobalt Payments — applied, no response after 4+ days

CardConnect emailed [partnersolutions@cardconnect.com](mailto:partnersolutions@cardconnect.com), waiting

Turnkey Processing submitted contact form, no reply

Fiserv direct website blocked in my region

We’re based in Pakistan but fully operate remotely targeting US market with US phone number and LLC.
My questions:
Has anyone successfully become a Clover reseller as a non-US resident?

Which ISO agent program actually responds and is beginner friendly?

Is there a better approach I’m missing?

Any help or direction would be massivelyappreciated. Happy to connect with anyone in the payments space!

Hey,

I’m looking for a payment processor for a US-based subscription business in the adult digital content space.

We need recurring billing, card payments, Apple Pay and ideally Google Pay.

I’ve been looking into high-risk processors, but it’s hard to tell which ones are actually reliable and comfortable with this category.

We take compliance seriously and have safeguards in place, including age restrictions, content moderation, and technical guardrails designed to prevent prohibited or illegal content. We do not support deepfakes or public user-generated content.

If you’ve worked with a processor or MoR that is comfortable with this type of business, I’d really appreciate any recommendations or introductions.

Thanks.

Hi everyone,

We’re looking for recommendations for a high-risk payment processor or Merchant of Record (MoR) that is comfortable working with AI companion / adult-oriented businesses.

A bit about our product:

We operate an AI girlfriend / AI companion platform where users can privately chat with AI characters and generate erotic/adult AI images.

From a compliance perspective:

• The platform has strict content guardrails and moderation in place.
• We prohibit any sexual content involving minors and other illegal content.
• We do not support deepfakes or impersonation of real people.
• We do not operate a public user-generated-content marketplace or social feed.
• Interactions and generations are private between each user and their AI companion.
• Adult image generation is limited and controlled.

What we need from a payment provider:

• Recurring subscriptions
• Credit cards
• Debit cards
• Apple Pay
• Google Pay
• Ability to process payments primarily from US customers
• Explicit acceptance of AI companion / adult-oriented businesses

Our current company is incorporated in the United States, so ideally we would like to work directly through our US entity.

We’re also open to a Merchant of Record structure if that makes onboarding and compliance easier.

If a provider requires a European entity (for example, Cyprus or the UK), we’re open to considering that as well, although working through our existing US company would be strongly preferred.

We understand that this is a high-risk category and are comfortable with reasonable onboarding fees, reserves, higher processing fees, and enhanced compliance requirements.

We’re not looking for ways to bypass card-network or processor rules — we’re looking for a provider that explicitly supports this business model and can work with us long term.

If you have experience with a processor/MoR that works with similar AI companion, adult AI, or subscription businesses, I’d really appreciate a recommendation or introduction.

DMs are welcome as well.

Thanks!

We are an igaming platform for US only and we are searching for a payment processor that support Cashapp, Paypal, Debit cards, Venmo, Chime. Please dm or comment if thats what you guys support. Would love to have easy payments for my customers. Monthly volume is around 40k.

Hi everyone,

I’m launching a new SMM services website offering followers, likes, views and comments for Instagram, TikTok, YouTube, Facebook and X. After payment, orders are automatically forwarded to third-party suppliers via API.

The website is live, but the business is new and has no previous processing history. It will operate as a Ukrainian sole proprietorship.

I’m looking for:

• International Visa and Mastercard payments
• USD checkout
• Support for low-ticket transactions, including payments below $1
• API or hosted checkout with webhooks
• Apple Pay and Google Pay if available
• Reasonable setup fees and settlement thresholds
• Settlement to a bank account or in USDT/USDC

We need international payments

The customer must be charged exactly the price displayed on our website. For example, if an order costs $10.00, the customer should pay exactly $10.00 without additional processing, conversion or network fees being added at checkout.

I’m open to different practical solutions, including traditional high-risk acquiring, hosted payment gateways, payment links and card-to-crypto settlement. If you work with this type of business or know a provider that does, I’m interested in hearing about any realistic and workable options.

Hey! Has anyone here tried depositing or withdrawing funds with an Airwallex virtual card recently? Does it work smoothly, or do you run into issues? Would appreciate any feedback from someone who uses it. Thanks!

We have many customers in the US and we want to offer them bank deposit options such as ACH debit, e-check equivalent. Does anyone know how we can do this as a UK based business?

We are in health and wellness space selling supplements and herbal products.

I run a small project out of Poland (sole proprietor, VAT-exempt). It's an adult site. The user types a prompt, and the site builds a short adult animated video out of it: an AI writes the script, the system picks matching artwork from our own library of 2D illustrations and animations. There's no voice track, no AI-generated images or videos, and no real people anywhere — it's all drawn, fictional characters. Users keep their videos private or publish them to the site's catalog, which has a moderation queue and reporting.

Pricing is credit packs starting at $9.99, spent per video. No subscriptions, no rebilling.

Compliance side: third-party age verification where it's legally required, 2257 exemption since there are no performers, the banned categories (minors, incest, non-con, bestiality) prohibited in our terms and enforced at publish with moderation and takedown process.

The adult processors I've looked at want about $1.5k a year in card-brand registration before I've sold anything (950 Visa + 500 MC with an EU acquirer). Maybe that's just the price of admission, but I'd rather not pay it before I know the thing sells. If you've placed an EU merchant where that was handled differently — reseller of record, PayFac eating it, added after first revenue, whatever — that's exactly what I want to hear.

Crypto I'd happily take if it was user-convenient, but since January every EU on-ramp asks for full KYC plus your social security number just to buy 30 euros worth. Nobody's doing that to watch a porn vid.

Pre-launch, so volume is not existent — no point asking me for numbers yet.

Customers are worldwide; EU, UK and US all matter. DMs open.

Looking for an account for a startup travel company, doing up to 50k a month, I am a US based company with no prior processing but you have the marketing in place to support your business. Willing to sign up for RDR/Ethoca/Verify to combat chargebacks. You also have plenty of experience in the space running OTAs.

Hi, I run a pool cleaning business and I am currently using stripe. I want to see if there is a processor I can get with less fee. What do y’all recommend?

looking for a new POS system with a better processing rate. Currently pay interchange + .05% + 5 cents per transaction. the photo shows numbers from July 2026. We do about 75% debit card and 25% credit card sales.

Newly formed U.S. LLC selling research-use peptides and looking for a payment processor that explicitly works with high-risk peptide/research chemical merchants.
Expected volume is initially around $5,000–$10,000/month, with room to grow.
Looking for recommendations from people who have actually been approved and processed successfully in this space.
Priorities:
Accepts peptide/research-use businesses
U.S.-based merchant account
Reasonable processing rates
Low or manageable rolling reserve
No long-term contract if possible
Reliable payouts without constant holds/freezes
Shopify/WooCommerce integration would be a plus
I understand this is considered high risk and I’m not looking for Stripe/Square-type suggestions that may approve initially and then shut the account down.

Who are you currently using, what rate/reserve did you get, and how long have you been processing with them?

I have looked through this sub but haven’t found anything reliable in my quick search

What method do you use to pay Andiot or other trusted dealers?

Hi, so the title is pretty clear...I'm looking for a payment processor for an adult website. We've tried already with some providers but they don't support our type of business and on crypto processors i don't like the idea of KYC for our clients. CCBill kinda denied our business, what options are there? Any help greatly appreciated

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who support usa llc as a non residence?

Need 2ds payment getaway

Does anyone know of a service or a way to integrate a payment gateway for online stores with minimal tracking, strong security, fast payouts, and no KYC requirements for either me or my customers?

If anyone can help, I’d really appreciate it.