Looking for Payment Gateway Rental ($200K/MONTH)
- Thread starter jross
- Start date
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- Oct 21, 2025
- 105
- 31
What is niche ? and chargeback rate ?
Is 200k month an estimate or is it actual revenue? How long have you been in business and what processor are you currently using?
Payment processors in general like stability. Be very careful growing too quickly as 200k/month , its guaranteed they will hold funds and do a manual review asking documentation. You would need multiple merchant accounts to split the volume, this would be the most solid solution for you.
Payment processors in general like stability. Be very careful growing too quickly as 200k/month , its guaranteed they will hold funds and do a manual review asking documentation. You would need multiple merchant accounts to split the volume, this would be the most solid solution for you.
What are you currently using to process payments? What is the issue with your current setup?
not high risk, not reps
Used Stripe + on-ramp, but wanna scale more aggressively and don't wanna risk any freezes.
It's never a bad idea to have an alternative processor as backup and to even split volumes if you are thinking of scaling quickly. Credit card processors need stability. From my experience, it's 10%-15% growth per 3 months but it varies. No matter how you play it, nowadays, expect manual verification with frozen funds until you provide the requested documentation. Always be prepared to show invoices, bank statements, corporate documents and filings, commercial leases, supplier invoices, etc.
You won't be asked all of this at once, but these are some of the documentation they will eventually ask for. Stripe is dangerous, a lot of the times, they don't bother asking for documents and will close your account without explanation which is why I always advise to stay away from main stream payment gateways such as Stripe and Square.
If capable, apply with a merchant acquirer for a real merchant account where the underwriting is done before you start processing. The biggest factor when you are looking to scale sales aggressively is ultimately the merchant account provider you are using and the foundation it was built on.
Which industry you are working with? Is Square UP works for your industry?
iamarawl
Newbie
- Mar 6, 2012
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Any leads ?
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