Replica Payment Gateway

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daren123

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Apr 9, 2025
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Hey Everyone,

Recently my shopify payments has been shut down, I have a replica shop mainly in shoes and handbags that makes minimum 30k a month, I am looking for a high risk payment gateway.
My main market is USA and Canada with only card. NO CRYPTO. Have heard cloaking would work, but can someone explain in simple terms how cloaking could be helpful for replicas?

Would really appreciate insights from fellow replica sellers!

Thanks to everyone in advance
 
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Stealth Stripe or PayPal accounts
Payment gateways won't accept a replica store, not even those high-risk ones.
 
For cloaking you need a Stripe account (or alternative), you make a dummy website to link the Stripe account, then when a customer want to pay from your replica store it redirects to the dummy website (and they pay here so Stripe just see a normal sell from a dummy store)
 
If you’re doing 30k/month, you should probably invest in a dedicated high-risk processor instead of patchwork fixes.
 
shijin said:
If you’re doing 30k/month, you should probably invest in a dedicated high-risk processor instead of patchwork fixes.
Click to expand...
How to invest in a Dedicated high-risk processor i'm ready to spend money, I need to process 30-40k every month.
 
Use PayPal stealth accounts for take credit card payments
Cryptomus or NowPayments for accepting crypto payments

That's it...there's no long term solution for that, nobody wants to deal with replica ''businesses''
 
For replicas a lot of people just run stealth merchant accounts as a workaround to keep taking card payments. It’s not permanent, but it can buy you time while you scale...
 
daren123 said:
Hey Everyone,

Recently my shopify payments has been shut down, I have a replica shop mainly in shoes and handbags that makes minimum 30k a month, I am looking for a high risk payment gateway.
My main market is USA and Canada with only card. NO CRYPTO. Have heard cloaking would work, but can someone explain in simple terms how cloaking could be helpful for replicas?

Would really appreciate insights from fellow replica sellers!

Thanks to everyone in advance
Click to expand...
As others suggest, get a stealth stripe/paypal account and use a good cloaking software and that's the only way. As i haven't seen any processor which openly accepts replica. Peerwallet type processors do but there checkout is not something u want your customers to go through.
Digital Daisy said:
hire a dev to do the cloaking for you, its not an easy task NGL.
Click to expand...
There is no need to hire a dev, mostly these sites are on wordpress and in market there are multiple proven cloakers available at an affordable price supporting sites built on wordpress
 
Danny Burke said:
As others suggest, get a stealth stripe/paypal account and use a good cloaking software and that's the only way. As i haven't seen any processor which openly accepts replica. Peerwallet type processors do but there checkout is not something u want your customers to go through.

There is no need to hire a dev, mostly these sites are on wordpress and in market there are multiple proven cloakers available at an affordable price supporting sites built on wordpress
Click to expand...
Yes currently shifted to using a cloaked setup and uptil now its working fine
 
You’ll need a high-risk payment gateway like PayKings or Soar Payments. Cloaking hides your replica products from payment processors, showing them a clean version of your site while real customers see the actual products.
 
cloaking only hides the front from reviewers, not the backend. u show clean store to processor/ad reviewers, but buyers see replica catalog. helps get accounts approved, but won’t stop eventual shutdown once chargebacks or rights-holders flag u. for US/CA card only, u need offshore high-risk acquirer or aggregator, split volume across shells, keep backup MID ready. no single gateway will let replicas ride forever longevity comes from rotation + layered setups, not just cloaking.
 
in essence,cloaking is a smart filtering technology that allows you to show as a "safe" landing page to ad reviewers and bots,while sending real users to your actual conversation page.
 
4rk0__ said:
For cloaking you need a Stripe account (or alternative), you make a dummy website to link the Stripe account, then when a customer want to pay from your replica store it redirects to the dummy website (and they pay here so Stripe just see a normal sell from a dummy store)
Click to expand...
Not a long term solution.

Stripe will shut that down after a single chargeback or strange payment patterns.
 
For the USA and Canada high-risk merchants, solid and good options include Nomupay, UniqPayments and Cloakedpays. First of all compare fees, reserves, and niche fit. It will help you to choose the best solution for your business.
 
If you have dropshipping, then it's better for you to use some cloaking methods to circumvent the risks with a ban and use multiple processes.
 
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