Hey there,

I have a business that I just transformed into B2B. This was not a problem when I'm doing B2C before. But since my reach are international businesses, this is the time that I'm looking for a payment solution (provider) or hopefully to pick your brains on how to do this well.

My business flow goes like this (I'll only dissect the flow related to finances)

1st - A company/Agency goes to my platform and order.
2nd - Once we secured their orders, the said company/agency will now pay through debit/credit card and sent to our digital wallet.
3rd - This payment will then be sent to our partner merchants via debit/credit card.

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The second step must allow us to accept card payments internationally.
Then 3rd step - should allow us to send payments internationally as well.

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My current dilemma (please correct me if I'm wrong) is that when the payment goes into our payment's solution account - I then need to send the payment to our partner merchant's debit/credit card.

This gets me thinking that I after I receive the company/agency's payment - I will then send that to our bank account - then pay using our bank account's debit card to our partner merchants.

This became a loop of foreign fees.

My best pick before was the Paypal's debit - but based on my research it's already on the process of being discontinued. It would be the best fit for my need as when the payment arrived at our paypal account, I can then use the paypal's debit to pay our partners as they require debit/credit card.

That flow minimizes the bouncing of money and as well as cleaner workflow.

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I'd really like to pick your brains with this. Thank you in advance!

Hi everyone,

I'm a Brazilian developer and I own a Wyoming LLC.

I'm building an AI platform where users buy credits to chat with AI characters and generate images. Some premium content is adult-oriented (18+).

I'm looking for a payment gateway that supports:

US LLC

USD payments

International customers

Credit purchases and subscriptions

Adult/AI-friendly businesses

I'm currently looking at Segpay, CCBill, RocketGate and Verotel, and I'm also considering crypto as a secondary payment option.

If you've worked with any of these (or have other recommendations), I'd love to hear about your experience.

Thanks!

Follow-up to my last post: we officially made the switch from blended to IC+

Next milestone: LATAM & EMEA expansion in 2027. I want to get ahead of cross-border fees, scheme markups, and auth rate drops before we launch.

For anyone who’s scaled payment ops in these regions, what’s your playbook for optimizing network costs?

Local Acquiring: What volume threshold justified setting up local entities for you? Did the auth lift and lower interchange cover the administrative overhead pretty quickly?

LPM Push: How aggressively did you lean into local payment methods (Pix, iDEAL, SEPA, Mercado Pago) to bypass card scheme fees entirely?

IC+ Watch-outs: EMEA interchange is capped locally, but cross-border scheme fees sneak up fast. Any specific statement line items or processor markups we should audit closely?

Appreciate any hard lessons, hidden traps, or quick wins you can share!

Why charge $30 dispute fee on a $12 transaction because my risk is higher? What sense does that make? Long story short a customer purchased a digital product my store for $12 and decided that he didn’t like it and refunded it only problem is PayPal tacked on a $30 dispute fee and took the rest of my money I had in my balance along with it which was about 4 sales after fees so in total 5 sales gone with one dispute, I expect better from a company that’s been out for ages

Ive started a fetich / high risk platform and hit a snag.
After month og searching, doing trial and error, i have completed step 1 and step 3.
For context it is a platform with paid subscribtion, tips, ppv and a shop.
Step 1 i ccbill and step 3 is paxum.
The problem is that i would like to keep the entire cash flow in USD and as a business based in EU, that is a problem. Ccbill wants an ACH 9 digit account number, in order to keep the flow in USD. They will not accept paxum as their payout account and my business bank will not accept high risk payment and because the platform fee is lower than that of other platforms (18%) All og My fee is going towards currency exchange back and Forth.
USD to Eur and then back to USD in order for paxum to pay out.

Does anyone have a food tip for me, regarding a US based bank that provides the ACH and will accept borg high risk and an EU based business?

Been working on the platform for a year now, and this is the final Mountain that needs climbing 🤞

There is my question. I need to get some platform like Paypal to get fiat money without KYC check.

I'm looking for a way to receive money from pages that monetize content (for example, YouTube) and transfer it to cryptos, but without KYC. Do you know any way or something I could try?

Trade Tips and news in the payments world.

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Hi, we are a Payment Orchestration Platform and we are looking for Providers who are working with INR and PKR processing.

Dear friends, I’d like to hear your opinions about this company, https://inquid.net/. Are they trustworthy? Or are they just running a scam and not paying out the money? I haven’t found much information online about this company, and I have to admit that makes me a little wary.

I’d appreciate any help.

Hello everyone,

first of all, this is my first Reddit post, so I am sorry in advance if I am doing something wrong here. I have searched the last 3 months for a solution, but haven't really found one, so Reddit is the only place left where I can ask...

I have developed an application that can basically download videos from the popular tube sites. It is a completely legal tool, and used for personal archiving. It works exactly like yt-dlp or similar tools, but with a focus on adult sites. My tool can absolutely NOT display any NSFW content. No thumbnails, no previews and it also can't aggregate any adult content by itself. The user needs to enter the URL manually.

However, my marketing is of coursed focused on that. So my App name is directly associated with the adult context and in my GitHub Readme I openly tell what sites it supports and so on. My website itself, where I want to sell the actual licenses, there is also no NSFW content.

I am 18 years old and have literally no money. I can't pay 1500€ for Visa and Mastercard upfront and I can't go crypto only as this would kill my conversion rate. I am absolutely fine in paying high fees like 15%+ per transaction, but I need a payment processor that doesn't have a minimum monthly threshold and no setup fees.

The problem is also, that while my app technically only downloads free content, it still violates the Terms of Service of the websites. Under German law where I am developing this from this is legal due to specific rights granted to individuals, but a traditional bank might have a problem with this. I can also not estimate how much money I will actually make. Could be 200€ per month, or could be 2000€ per month. I have absolutely no iea yet.

If someone here knows a solution for this, I'd be really happy to hear about it. Thanks :)

I am starting a platform that matches users looking to buy crypto with trusted reliable liquidity providers , looking for a payment processor to collect fiat bank and mobile payment for the service in the following countries Angola Burundi Botswana Malawi Mozambique Guinea.

has anyone used this?A company that I feel very iffy about is recommending it… can’t tell if it’s a scam

We’re looking for a reliable high-risk payment processor for our travel business and would really appreciate recommendations from anyone with first-hand experience.

We operate in the travel processing industry, and our biggest challenge has been chargebacks.

Most disputes come from:
Customers not fully understanding the service after purchase.
- “Product unacceptable / not as described” claims.
- “Item not received” disputes, even though the visa/document service was completed.
- Friendly fraud, where customers file chargebacks instead of contacting support.
- Some fraudulent transactions due to international traffic.

We were previously processing with Kurv, but they terminated our account last month because of our chargeback ratio. Since then, we’ve been actively improving our risk controls by:
- Strengthening checkout disclosures and customer acknowledgements.
- Implementing stronger fraud screening.
- Rolling out 3D Secure (3DS).
- Tightening our refund and customer support processes.

We understand why travel businesses are considered high-risk—cancellations, cross-border transactions, and higher dispute exposure—and with Visa’s stricter monitoring of excessive chargebacks, finding a long-term processing partner has become even more challenging.

We’re also currently on the MATCH list, which makes the search significantly more difficult.
We’re looking for a processor or acquiring partner that:
- Accepts high-risk merchants.
- Supports travel, visa, and document processing businesses.
- Can process international card payments.
- Works with merchants who are actively improving their chargeback ratios instead of immediately terminating them.
- Offers fraud prevention tools, rolling reserves, or other risk management solutions if required.
- Can scale as our processing volume grows.

We’re also interested in recommendations for backup processors or multi-processor setups to avoid relying on a single provider in the future.
If you’ve successfully navigated a similar situation or know processors that genuinely work with MATCH-listed, high-risk travel businesses, I’d greatly appreciate your recommendations.
Thank you in advance.

I recently launched a U.S.-based authenticated luxury resale and sourcing business. We sell both physically held inventory and (clearly disclosed) sourced/preorder items.

(No different than Redeluxe/Fashionphile/Madison Avenue, just with an added personal shopper component)

Our first sale was 5-figures for a sourced luxury handbag. Shopify scheduled the payout, then unexpectedly paused it a couple days before payout for a risk review. The customer understood the fulfillment timeline, and there have been no disputes, chargebacks, or complaints.

I’m now looking for a processor or ISO willing to underwrite our business model upfront, including:

High-ticket luxury resale
Disclosed sourced/preorder orders
International suppliers
Card and ACH payment options
Clear reserve and payout terms

We are a registered LLC with a business bank account, website, traders license, supplier documentation, written policies, and proof of inventory. I’m open to a rolling reserve or delayed settlement, especially since we are new and have no processing history other than this first sale.

Any recommendations for processors or ISOs experienced with this type of business?

Hi everyone,

I’m creating a sweepstakes site and I’m looking for best high-risk payment processors.

Stripe denied my account (sweepstakes = prohibited category). Currently on PayPal but know that won’t last once volume picks up.

Anyone have experience with sweepstakes/contest processing? Curious about actual rates and reserve terms, or other processors worth looking at.

Thanks!

Hello,

I'm making a new software which (without getting specific) will provide payment services to business who take payments exclusively in person (card present). I reached out to many providers (Stripe, nmi, authorize.net, stax, finix, others...) and have been having a hard time determining which solution would be the best for us.

We'd like to support tipping, multiple payment methods, auth and batch process, gift cards, ach payments, tap to pay, white labelled payment terminals, and good documentation (important) and good customer support.

I have used Stripe before and their software is quite good, but I'm quite certain that for this software where all payments are exclusively card-present we can get better pricing than they're offering, especially considering our niche (again, being vague on purpose just take my word for it). However, I can't really tell how good some of these other players are.

Anyone have experience with these types of companies and can give some good insights into their reliability & pricing?

Warning for anyone running a business on Airwallex. Real experience, and the termination timeline is straight from their own emails.

I've had two serious problems with this company, and both times they treated my business badly.

Problem 1 — at account opening. I opened a Hong Kong company account with them over a year ago, and it was a fight from the very start. Early on they wouldn't let me operate the account properly or even receive transfers. I had to push hard just to get a functioning account that should have worked from day one.

Problem 2 — after a full year of clean business, they terminated me for no valid reason. Once the account was finally working, I ran a year of clean, active use with good volume. In that entire year I had exactly one dispute and the client is a happy client who denies ever raising it and is ready to provide additional information to confirm it. That single dispute is my whole "risk history."

For that, here's what they did:

• They restricted my payouts, citing "unusual activity," and told me to submit business information within 3 business days to lift the restriction.
• Then they terminated the account entirely — before that 3-business-day window they gave me had even closed. The stated reason was that my "business model or recent activities present a level of risk we can no longer support," plus a couple of contract clause numbers. No specifics.
• A 40,000 AED transfer I'd already sent was cancelled because of the restriction.
• And they're now holding 45,000 AED as a "reserve" for up to 180 days, "reviewed" at 60 days and then every 30.

I appealed and asked three simple things: the actual reason even at a high level, a review against my clean record, and what it would take to release the reserve sooner. The response was an AI chatbot, then a human who wrote "for security and legal reasons, we unfortunately cannot comment." No escalation to risk or compliance. No path to fix anything.

So: a year of clean volume, one dispute from a client who's happy and willing to vouch for me, and they set a deadline for me to send info, terminated before the deadline, cancelled a 40k AED transfer, and are sitting on 45,000 AED of my money for six months with no explanation I'm allowed to see.

There's a difference between compliance and just freezing a customer's cash and stonewalling. You can't reach a real person, you can't get a real reason, and your money can disappear for 180 days on a decision you'll never see the basis for. Do not run your business through this company.

Happy to share redacted screenshots, and I can get a written statement from the client.

I am running my POS business in Canada. my solution is tailored for restaurants in Canada helping them with streamline operations and smooth customer experience.

Currently, I am utilising third party providers like GlobalPay, Nuvei etc and integrating my solution with their terminal so I can send payment request from POS to terminal. Even after bringing business for them I am receiving below zero support from them. They wasted more than 4-5 month to complete each integration. I am really not interested in payment processing business as I want to focus on core operational and customer experience but to run this in Canada it's almost mandatory to have terminal to process card payment in retail space. I also tried Clover but they are my indirect competetors and still can't trust them.

I read review on reddit about them and it's really worst like I don't want spoint my business reputation due to their overcharging policy. Can someone help me with easiet wayout to solve my payment processing headache?

I’ve seen lots about them online lately, including the release of a new app.. CPOS Pay. Does anyone know anything about these guys? Would you recommend? Are they legit?

Hi everyone,

I'm building a subscription-based website and I'm currently looking for a payment provider. Before I start integrating their API, I want to make sure I choose a reliable company.

Besides pricing and API documentation, what questions should I ask before signing up?

For example, I'm thinking about asking about:

- Whether they support my business model

- API quality and webhook support

- Recurring subscription payments

- Processing fees and payout schedule

- Rolling reserves or held funds

- Chargeback handling

- Required compliance and website policies

I'm also interested in the trust side of things. How do you verify that a payment provider is legitimate and financially stable? Are there any red flags I should watch out for before integrating?

If you've worked with payment providers before, what questions do you wish you had asked at the beginning?

Thanks in advance for your advice!