Bonjour. J'ai créé un site de streaming. Et le problème c'est que je n'arrive pas à ajouter des moyens de paiement. Par carte bancaire. Ou une passerelle de paiement En crypto Payer via visa ou Mastercard. Vous pouvez m'aider s'il vous plaît

Our main payment processor started to flag our recurring monthly subscription charges as unusual activity. Can't get anything out of support tickets (generic answers) so payouts are just frozen atm. We're ready to cut our losses and switch to a new provider but also hesitant to rebuild the whole checkout workflow. But if we have to do it, is there a fast/non-disruptive way to switch?

I'm a co-found of a adult saas that's making $500k/month and we've got a stripe review for the next days. I wanted some indications of some platforms of payments providers that would accept to run with us and don't complain about the content.

Even tough our content is risky, we have low chargeback index, about 0.5%.

It's beeing a nighmare always to look for another payment provider and seems that no other one is good enough other than stripe.

Overview of who covers what in agentic payments/commerce.

Hi everyone,

We run an e-commerce brand selling boxing equipment and apparel, and we’re struggling with payment processing and banking.

Our situation:

LLC registered in Wyoming, USA, with an EIN.
Owners based between Lebanon, the UK, and Switzerland.
Warehouse, fulfillment, and most sales are in the UK. We’re also VAT registered there.
Shopify Payments rejected us because we don’t have substantial physical operations in the US, despite being legally registered there.
Wise Business also rejected us due to proof-of-residency requirements.

Has anyone experienced something similar?

Would opening a new Shopify store configured for the UK while keeping our US LLC work? Or have you successfully used another payment processor or business bank with this structure?

We’re trying to avoid registering another company if possible.

I’d really appreciate hearing from anyone who has actually solved this!

Im building out the payment side of a marketplace where the whole model depends on being able to onboard sellers from different countries. if someone wants to sell but cant get verified or paid because their country isnt supported, thats not just a payment problem, im losing supply before they even get onto the platform.

Ive looked through the options between Whop, Stripe Connect, Adyen, Airwallex and PayPal/Braintree. Stripe Connect is the obvious benchmark but its country expansion is very limited, Adyen and Airwallex look strong for international payments, and PayPal has reach but it seems to get expensive and also seller availability and payout support seem like the parts that could rule some of them out before fees or API quality even matter.

Whop has moved higher on my list because the setup seems closer to what i need like payments coming in, balances sitting with users, KYC, payouts going back out and sellers potentially being spread across different countries.

Im trying to avoid picking something that works perfectly for buyers but starts breaking the second sellers are outside the main supported markets and thats the part id most likely rather solve now than migrate around later.

Whats the best payment provider for a marketplace with international sellers, KYC and global payouts?

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I'm building a newly launched marketplace in India under my company, HiveSurf Media LLP. Our platform allows multiple communities/organizations to sell products and collect payments for events. We need a payment gateway that supports split payments and settlements to multiple sellers/beneficiaries.

We are facing an onboarding issue because the payment gateway has asked us to provide a declaration on company letterhead confirming annual turnover exceeding ₹40 lakh.

As a newly started business, we don't have an established turnover history yet.

I'd appreciate advice from founders who have faced a similar situation.

1. Which Indian payment gateways support marketplace split payments or vendor settlements for newly registered businesses?

2. Do any providers support split settlements without requiring historical annual turnover of ₹40 lakh?

3. If turnover is a mandatory eligibility criterion, can a startup qualify through projected turnover, business plans, bank statements, or other documents?

4. Have you successfully activated Razorpay Route, Cashfree Easy Split, PayU, or another marketplace payment solution without meeting this historical turnover requirement?

5. Are there alternative payment structures that are compliant with Indian regulations and suitable for an early-stage marketplace?

I'm looking for actual founder experiences and providers that have approved similar businesses, not just a list of payment gateways.

Thanks in advance!

As the title suggests, I am familiar with everyone OB provider and payment processor because of my own business.

I will share my wisdom.

Hi everyone,

I'm a payment systems developer researching the technical chargeback lifecycle at the card-network clearing level, specifically Visa BASE II and Mastercard IPM.

I'm trying to understand how an acquirer can determine the outcome of a chargeback after submitting a representment.

For Visa, I'm investigating:

• TC15 — Initial chargeback.
• TC35 — Chargeback reversal.
• TC33 — Dispute Financial Status Advice, particularly the VER record identifier and status codes F1, P1, L2, L3, R2, R3.
• TC46 — Settlement reporting and related financial movements.

My main questions are:

1. After a Visa representment, if the issuer accepts the response, is there a specific incoming BASE II TC/TCR that confirms the outcome?
2. If the issuer disputes again and the case proceeds to pre-arbitration or arbitration, which incoming clearing records reflect the financial result?
3. Can TC35 or TC33 financial movements reliably indicate a favorable or unfavorable outcome, or is a VROL decision required?
4. In Mastercard Dual Message, is there an equivalent mechanism in IPM/GCMS, or must final case decisions be obtained through Mastercom?

I'm specifically looking for network-level technical behavior, not merchant-facing chargeback procedures.

Any references to official specifications, document sections, or practical experience would be greatly appreciated.

Thanks!

Looking for a merchant account to accept payments from US customers for auto parts. Debit cards and Cash App are the priorities, with credit cards being a bonus.

We’re not registered as a business yet, so I’m specifically interested in providers that can work with unregistered businesses, where eligible. My priority is a straightforward setup with minimal initial paperwork, a clear fee structure, and a quick start. Ideally, I’d like to discuss the terms directly first rather than begin with a lengthy application process. Crypto settlements would be a plus.

If you offer a solution that genuinely fits these requirements, please DM me with the provider name, supported payment methods, setup requirements, and fees.

Hello all,

We’re an Australian startup that believes Wise and Airwallex’s fiat-to-fiat transfer model is antiquated by modern standards, (although Airwallex is now shipping USDC payments). Global debt is eroding fiat’s purchasing power, and while fintech models can be efficient, they don’t make money productive in the way stablecoins can, and they don't protect long-term purchasing power in the way gold/bitcoin can.

Based on what I've seen, this is a payment processor community, but if there are individuals/businesses in this forum who move money globally, it'd be useful to know:

- What you use today: Banks? Fintechs like Wise? Crypto exchanges? Or a mix?

- What's annoying about the current solution?

- What would make you switch to a company that moves stronger/more productive forms of money?

- Is there demand for money movement in the form of; scarce, neutral assets like precious metals (gold, silver) or bitcoin?

- Would a unified account that functions like Wise, a precious metal dealer, and a crypto exchange interest people?

- Does interoperability matter to people? i.e being able to send fiat and have it land as stablecoins or bitcoin. And vice versa.

Any discourse on this would be awesome!

Hi everyone! We’re looking for a reliable US payment processor or merchant account provider, preferably offering a payment link setup with support for credit/debit cards and Cash App. Ideally, we need a provider that accommodates unregistered businesses with minimal or no KYC onboarding requirements.

Our expected monthly processing volume is around $25,000–$30,000 USD, and we already have transaction processing history available. We’re ready to get started immediately and are looking for a straightforward setup with competitive fees. If you know any suitable providers or have experience with similar setups, please comment or DM with the provider details, fees, onboarding requirements, and setup timeline.

Serious recommendations only. Thanks!

As Stripe is invite only in India, can anyone who has stripe integrated with business in India, invite me as well.. my payments are stuck there..

Please DM .. 🙏🏻

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Hola a todos,

Estoy buscando un proveedor de pagos legítimo para una app de networking social 1 a 1 con mensajería y videollamadas. Los usuarios compran paquetes de monedas virtuales para desbloquear funciones digitales.

Soy un desarrollador independiente y busco una solución de pagos que cumpla con estos requisitos:

Verificación del comercio**

Solo KYC individual.

Puedo proporcionar mi pasaporte personal para la verificación de identidad.

No puedo completar KYB ni proporcionar documentos de registro de la empresa. . Pagos de los clientes**

Los clientes deben poder pagar directamente usando Visa o Mastercard.

Google Pay y PayPal serían una ventaja extra.

Los clientes no deben necesitar wallets de criptomonedas ni criptomonedas para hacer compras.

Pagos automáticos y entrega digital**

Los usuarios pueden comprar paquetes de monedas virtuales desde $3.

Los pagos deben procesarse automáticamente.

Las monedas compradas deben acreditarse a la cuenta del cliente mediante una API, webhook o integración compatible.

Pagos/transferencias**

El proveedor puede pagarme en USDT, otra criptomoneda o moneda fiduciaria.

Soy flexible con la forma en que recibo mis ganancias, siempre que el método de pago esté disponible para mí.

El proveedor debe aceptar explícitamente mi ubicación como comercio, mis documentos de identidad y mi modelo de negocio.

Necesito un proveedor que de verdad permita que comerciantes individuales elegibles operen sin KYB.

No busco un checkout solo en cripto. Mis clientes tienen que pagar con sus tarjetas bancarias, y yo soy flexible con cómo el proveedor de pagos liquida mis ganancias.

¿Alguien conoce un proveedor legítimo que apoye este arreglo?

Por favor, compartan experiencia real, requisitos de onboarding, montos mínimos de transacción, comisiones y si el proveedor admite pagos automáticos para productos virtuales en apps sociales.

¡Gracias!

I’m looking for advice from anyone who has dealt with a similar Stripe situation.

Stripe has been holding €3,249.49 from my account since October 2024.

After the account/payment issue, I was told that eligible card payments would be refunded. Stripe then told me that if a balance remained after those refunds, the remaining funds would not be made available to me, referring to Section 5.6 of their Stripe Payments terms.

The problem is that they have never properly explained to me:

• Exactly which transactions make up the €3,249.49
• Why this specific balance can be permanently retained
• Whether the money is being classified as reserves, customer funds, fees, disputes, etc.
• The exact contractual basis for keeping the money
• What happens to the money if it is not being returned to me

I have emailed Stripe multiple times asking for a proper accounting and explanation. They have now stopped responding to my emails.

The €3,249.49 has effectively been locked for around 2 years.

Has anyone here had Stripe retain a balance for this long?

If so:

1. Did you eventually get the money back?
2. What escalation actually worked?
3. Did you file a formal complaint or contact a regulator/financial ombudsman?
4. Is there a specific Stripe department/email that deals with these cases?

I’m not looking for legal advice — mainly trying to understand whether this is normal Stripe procedure and what the most effective next step is.

I can provide screenshots of Stripe's response if useful.