Payment Processor/gateway recommendation with Instant payouts

[XauGold]

Hello, I am looking to open up a Woocommerce shop selling digital products. Can someone recommend me payment processors or gateways to accept card payments?
It doesnt matter if its something like a personal Revolut account or a regular payment processor or even a crypto payment processor with KYC as long as it fits these criterias:

-Has instant or maximum 3 days payouts
-Low chargeback risk
-Able to handle low value payments like 5$ or so
-Doesnt require a registered business
-Optional, my customers being able to use bank payments would be nice too
-Optional, has a wordpress plugin for it

I could use Paypal, but I fear that I will get a lot of chargebacks and it is well known Paypal most of the time awards chargebacks to the buyer when it comes to digital stuff.
All the other stuff I looked into either requires a registered business, has long payouts or not available in my area.

Thanks!

 

[Deleted member 752298]

-Doesnt require a registered business

You will not find one as all credit card handling companies require a business registration.

 

[XauGold]

You will not find one as all credit card handling companies require a business registration.

There are multiple out there which doesnt require a business. Paypal, Revolut, Bunq etc. all can accept credit card or have payme link. Problem is these are not really good for me for the other reasons I have listed.

 

[XauGold]

Seriously no one?
I already found a couple but not sure if they will be good or not because there are not enough information about them.
You dont need a company for everywhere, no idea why some people saying this is like this is the only way possible...
There is a thing called sole trader/proprietor and its possible to open up accounts like this at some of these companies as an individual, I just dont know all and dont know which one will be good, thats why I was looking for advice here.

 

[Madflavour]

it is pretty hard to give you a good answer, heavily depending on the type of your products... if you are selling e.g. shared netflix accounts you will have trouble getting accepted, if you sell your selfwritten books you should find a company with ease (just with google). Another solution could be looking into cloaking of payment gateways, so that the payment processor basically can not "see" what you are really selling - one possible way to achieve that would be another shop with "whitehat" products and some kind of connection (API, plugin whatever) so that if a customer orders in your real shop, the checkout will redirect to the whitehat shop where he makey the payment with whatever gateway you want. Check out the search function here, there are several topics about that with way more details. Regarding the 3 days payout, forget that point at the beginning - nobody will trust when you just start a relationship with them.

 

[XauGold]

it is pretty hard to give you a good answer, heavily depending on the type of your products... if you are selling e.g. shared netflix accounts you will have trouble getting accepted, if you sell your selfwritten books you should find a company with ease (just with google). Another solution could be looking into cloaking of payment gateways, so that the payment processor basically can not "see" what you are really selling - one possible way to achieve that would be another shop with "whitehat" products and some kind of connection (API, plugin whatever) so that if a customer orders in your real shop, the checkout will redirect to the whitehat shop where he makey the payment with whatever gateway you want. Check out the search function here, there are several topics about that with way more details. Regarding the 3 days payout, forget that point at the beginning - nobody will trust when you just start a relationship with them.

I would be mainly selling software keys for now and maybe upgrades. But no accounts or shared stuff.
Im pretty sure there are payment gateways that pay out 2-3 days, just not necessarily good for me for other reasons, so fast payouts are possible and no idea why it shouldnt be.

 

[RichMedusa]

- Instant payout is a fairy tale, especially for credit card transactions.
- Chargeback risk depends on you, not on the payment processor...however disputes can be opened easier on Stripe & PayPal

It seems the best option for you is just using a crypto payment processor. Any amount allowed, no chargeback, no dispute...

 

[feedmycookie]

myPos has instant payout

 

[online-helping]

what are you selling ? , which digital products ?

 

[digital_services]

if your chargeback rates too hight , it will difficult to find a gateway that will accept your business , and without a LTD Or LCC , ITS MORE Harder , good luck