Looking for a payment gateway working in USA
what do you sell?
- Nov 6, 2025
- 151
- 48
apprx 10% fees for stable high-risk processing or rental in high-risk seems not even high
LockedFalse
Newbie
- Mar 13, 2026
- 3
- 2
Honestly, I’d check out BankMyCapital. I’ve been using them for a bit now and the feedback has been great. They actually handle the heavy lifting with US banking so you don't get stuck with the usual gateway headaches. Definitely a solid shout.
cashapp6678
Newbie
- May 31, 2026
- 1
- 1
i am also paying 16% for cashapp. did you find any gateway?
- Nov 6, 2025
- 151
- 48
do you have 3-4 month payment processing history?
Nicks_
Regular Member
- Apr 30, 2024
- 343
- 2,316
Use Chime & cashapp these, both are best to use and easy to handle from anywhere around the world (especially if you want to use them for digital goods trades)
As you are saying you sell over a million monthly of replica sales then you could contact riskgates.com for cheaper rent as 15-20% at this volume is actually too high. For sure you could get better price than this in the market
Edward_h02
BANNED
- May 11, 2026
- 32
- 33
You are looking for high risk processor definitely there will be some percentage and this total depend on you volume. Large monthly volume lesser percentage, But in the beginning there will charge more and percentage will be reduced as time passes
jiroxys101
Newbie
- Jun 28, 2015
- 45
- 7
Paying fifteen to twenty percent for high risk merchant processing is a total rip off, the best solution is integrating Crypto gateways like NOWPayments or BTCPay Server to drop fees below one percent with zero chargebacks, using rotated Zelle or Venmo accounts for smaller orders, and securing offshore high risk MIDs offering four to eight percent rates paired with chargeback mitigation tools.
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Marco69
Elite Member
- Jan 30, 2022
- 4,069
- 680
For selling digital products use payhip with strong no refund clause and good compliance policies and stripe. Then have an LLC with Mercury bank and you will be fine. You can use LLC and Mercury Bank for physical ecommerce store too on a shop platform with stripe, have all the setup finished when stripe blocks some money , so that you can deliver to stripe within 2-3 days invoices, track of download or parcel tracking, etc,etc... and you will be fine.
TargetedProxies
Newbie
- Dec 30, 2021
- 34
- 5
I use Stripe and Crypto Cloud. Stripe handles almost off electronic forms of payment outside of crypto. Stripe isn't the cheapest but it's not the most expensive either and it provides you with a lot of payment options
Theodore1996
Newbie
- May 11, 2026
- 6
- 2
Paying 20% is too high, But in the start you will get high rates and after 1 or 2 month that will drop and it will also depend on your volume
Marco69
Elite Member
- Jan 30, 2022
- 4,069
- 680
But EU stripe, wise and zensus will automatical report every month to my tax authorities in germany or 1x time a year? Could not find a clause in the EU stripe policiy.
TargetedProxies
Newbie
- Dec 30, 2021
- 34
- 5
You have to read through the documentation. I know here in the US stripe doesn't automatically report to the IRS. They generate a 1099 form that's your responsibility to supply to the state and IRS when you're filing your taxes
JasmineSmit
Registered Member
- Jul 24, 2026
- 51
- 4
If you're in a high risk industry, it's common to pay a percentage on each transaction along with a rolling reserve (RR) of around 10–15% at the beginning. The reserve is reduced over time as you build a good processing history. These are typical costs when using a rental payment gateway.