Advice on payment gateway processing for ruo peptides / high risk niche

[TonyD.A]

Hi, i am a merchant doing serious volume in ruo peptides, i need advice on a stable , more scalable solution for my business. Used to do cloaking with paypal/stripe and processed millions but they have frozen too many accounts recently and doesnt seem to be the answer no more.

Need someone with professional advice with experience in this field please. Q4 is coming and we need to be fully prepared

 

[hichamixico]

What is your monthly volume? What is your chargeback %? What is your refund %? Do you ship?

 

[paymentflo]

try singapore mid

 

[TonyD.A]

What is your monthly volume? What is your chargeback %? What is your refund %? Do you ship?

We have multiple websites combined doing, high 7 figures. chargeback are all kept <1%, we have good customer support & ship fast, same day. Refund rate is ~1%. We 100% ship all quality products. Same day tracking.

 

[TonyD.A]

try singapore mid

thanks for this input. I do have SG entity, so what youre saying is apply for a singapore - based payment gateway, do i need to cloak a site and submit that ? Main geo we target is USA / EU .

 

[hichamixico]

We have multiple websites combined doing, high 7 figures. chargeback are all kept <1%, we have good customer support & ship fast, same day. Refund rate is ~1%. We 100% ship all quality products. Same day tracking.

For scaling and more stable solution, cloaking stripe and paypal are temporary options like you already know.

What you need to do is to find high risk providers that explicitly underwrite peptides. (Do your research and pick the one that is trusted and can deliver).

Or better still, partner with someone that has an alternative processor that works. (If you can proof that you ship, your chargeback is below 1% and refund is also below 1%).

 

[M&M]

dubai mid here

 

[Orion Marketing Agency]

I think you have to look for a processor that supports higher-risk merchants and has clear reserve and chargeback terms.

 

[dustobird]

been in the exact same spot with high volume peptides.

cloaking stripe/paypal works until it doesn’t, and once the volume is real it dies fast.

what actually held up for us was moving completely off platform checkout. own domain + high risk processors that underwrite the niche properly + ability to swap mids the same day one gets hit.

the difference in stability is night and day once you leave the cloaking cycle.

 

[dustobird]

high volume peptides + payment processors = constant headache.

we already solved this on our side. cloaking and temporary accounts kept dying once volume got real, so we moved completely off platform checkout.

now it runs on own domain with high risk processors that underwrite the niche + automatic cascade when one mid gets hit. customer never sees an error and we stay live the same day.

happy to break down exactly how the setup works if useful.

 

[ignitemedia]

high volume peptides + payment processors = constant headache.

we already solved this on our side. cloaking and temporary accounts kept dying once volume got real, so we moved completely off platform checkout.

now it runs on own domain with high risk processors that underwrite the niche + automatic cascade when one mid gets hit. customer never sees an error and we stay live the same day.

happy to break down exactly how the setup works if useful.

we do the same already too through teggen . io, pretty good solutions including pay later, apple pay google pay. So happy, very high approval rate. they take care of cascading and routing. We just process

 

[nbshl2009]

1. You should have multi channels instead of a single one, and minimize the risks for each channel.
2. The high-risk path is the one that truly suits you. You need a strong partner to accompany you through the GMV.
3. US market, beside cards, can also consider the polling system of PayPal and Cashapp. Replica seller also using this solution. Of course, it is important to find 2-3 card payment partners and combine their cloak technology for use.