reliable card payment providers

DanjoeT said:
Hello everyone,

I’m looking for advice on payment solutions that allows customers to pay for my digital services/products with their cards.

Which reliable card payment processors would you recommend for digital goods/services?

Would appreciate to hear about your experience.
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Same problem here, I have an iptv business with more than 5K$ volume a day but I cant find any solution..
 
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ladyfintech said:
Most modern payment processors do support payment links in some form.

The bigger difference is whether they support your business model, not whether they offer payment links.

For example:
  • Stripe, Adyen, Mollie, Checkout.com, Revolut Pay, Square and PayPal all offer payment links for eligible merchants.
  • Some acquiring banks and enterprise processors focus on API or gateway integrations and may not offer a self-service payment link feature, although they can usually enable similar functionality through their platform or partners.

For higher-risk industries, the challenge is usually underwriting and acquiring approval rather than the availability of payment links. Also how much volume you would be processing. Would you like to share your business model and some info about it? Then I could assess it quickly.
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my business model is simple and straightforward. I sell digital products and services in different niches. I am doing 4-5 figures monthly now and can scale.
hichamixico said:
Absolutely. The payment url link that I and my partners use is very flexible and editable at any point of scaling, so it is possible.
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What if I have a big store with up to 30 different products and services, with the type of payment url link indirect integration that you have explained so far, how will it work out?
 
ladyfintech said:
Most modern payment processors do support payment links in some form.

The bigger difference is whether they support your business model, not whether they offer payment links.

For example:
  • Stripe, Adyen, Mollie, Checkout.com, Revolut Pay, Square and PayPal all offer payment links for eligible merchants.
  • Some acquiring banks and enterprise processors focus on API or gateway integrations and may not offer a self-service payment link feature, although they can usually enable similar functionality through their platform or partners.

For higher-risk industries, the challenge is usually underwriting and acquiring approval rather than the availability of payment links. Also how much volume you would be processing. Would you like to share your business model and some info about it? Then I could assess it quickly.
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I sell digital services and products in 3 different industries. I am doing 5-6 figures every month.
hichamixico said:
Absolutely. The payment url link that I and my partners use is very flexible and editable at any point of scaling, so it is possible.
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For how long can this payment url link be used in terms of sustainability and time frame for business growth?
 
Wallester is very good and almost free also. Sadly they do not serve businesses outside of EU
 
DanjoeT said:
I sell digital services and products in 3 different industries. I am doing 5-6 figures every month.

For how long can this payment url link be used in terms of sustainability and time frame for business growth?
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The payment url link is very sustainable. It works for long term business purposes. It is 100% reliable and highly recommended.
 
Hiring a high-risk payment processor is one of the best long-term options
 
You can try rental providers like IrongatePays. They charge a per-transaction fee but specialize in high-risk businesses and can help reduce the risk of payment shutdowns and bans.
 
dreamingworld47 said:
It depends on your business model and where your customers are located. Some of the most commonly used processors for digital products and services are Stripe, PayPal, Paddle, Lemon Squeezy, and 2Checkout (Verifone). Each has different fees, supported countries, dispute handling, and compliance requirements.

If you're selling digital goods, I'd pay close attention to chargeback protection, ease of integration, payout times, and whether the processor acts as the merchant of record. It's also worth checking whether they support the countries you operate in.

I'd be interested to hear what others are using and how their experiences have been, especially regarding disputes, account stability, and support.
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my customers are located in different countries and I also want to pay attention to chargeback protection and ease of integration like you said
replyr said:
Wallester is very good and almost free also. Sadly they do not serve businesses outside of EU
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Do you have an account with them already?
hichamixico said:
The payment url link is very sustainable. It works for long term business purposes. It is 100% reliable and highly recommended.
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do you know anyone personally that is using payment url links and working very fine without any issues?
M&M said:
Hiring a high-risk payment processor is one of the best long-term options
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high-risk payment processor like which ones?
deadERIClol said:
You can try rental providers like IrongatePays. They charge a per-transaction fee but specialize in high-risk businesses and can help reduce the risk of payment shutdowns and bans.
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have you personally used them before and do they work for long term business purposes?
 
DanjoeT said:
Do you have an account with them already?
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No, I do not because I do not have a company registered in the EU or US.

Even if your company is registered in their eligibility country, if you are from outside it's hard to get in although it differs case by case.

So, why not give it a try.
 
DanjoeT said:
my customers are located in different countries and I also want to pay attention to chargeback protection and ease of integration like you said

Do you have an account with them already?

do you know anyone personally that is using payment url links and working very fine without any issues?

high-risk payment processor like which ones?

have you personally used them before and do they work for long term business purposes?
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I know people that are personally using payment url links to accepts payments from their customers from different parts of the world. When I say I know them personally, I also mean that some of them are my partners already without any issues for years. So it works.
 
hichamixico said:
It is as easy as ABC to setup the links. You can setup unlimited links for unlimited prices in different currencies. $10k or $20k or $30k per month is not an issue at all. Talking from my professional experience in the field.
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Can you help me to get these account setups? Please DM
 
replyr said:
No, I do not because I do not have a company registered in the EU or US.

Even if your company is registered in their eligibility country, if you are from outside it's hard to get in although it differs case by case.

So, why not give it a try.
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what do you mean by 'if you are from outside it's hard to get in'/
hichamixico said:
I know people that are personally using payment url links to accepts payments from their customers from different parts of the world. When I say I know them personally, I also mean that some of them are my partners already without any issues for years. So it works.
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what do you mean by some of them are your partners already?
deadERIClol said:
Yes, have been working with them for about 5 months now. I highly recommend.
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do you sell in a similar niche/industry?
 
It depends on your business model and risk profile. For standard digital services, Stripe and Paddle are solid choices if your business fits their policies. If you're considered high-risk, you may need to look at dedicated high-risk processors instead of mainstream PSPs.

What kind of digital products or services are you selling?
 
if you are outside the US or EU doing digital services, stripe will probably shut you down pretty fast once you get a few chargebacks... they hate digital goods unless you have a clean history.

paddle or lemon squeezy are usually better because they act as merchant of record, but they still have strict compliance. @DanjoeT what is the actual niche? if it is anything remotely grey like smm or scraping then you can forget about mainstream processors anyway and you will need to find a high risk merchant.
 
DanjoeT said:
what do you mean by 'if you are from outside it's hard to get in'/

what do you mean by some of them are your partners already?

do you sell in a similar niche/industry?
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What I mean is that I have partners that are using payment url links for years without any issues.
 
NullPay said:
It depends on your business model and risk profile. For standard digital services, Stripe and Paddle are solid choices if your business fits their policies. If you're considered high-risk, you may need to look at dedicated high-risk processors instead of mainstream PSPs.

What kind of digital products or services are you selling?
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I sell digital products and services in different niches
PPCPirate said:
if you are outside the US or EU doing digital services, stripe will probably shut you down pretty fast once you get a few chargebacks... they hate digital goods unless you have a clean history.

paddle or lemon squeezy are usually better because they act as merchant of record, but they still have strict compliance. @DanjoeT what is the actual niche? if it is anything remotely grey like smm or scraping then you can forget about mainstream processors anyway and you will need to find a high risk merchant.
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I have seen a lot of bad reviews for paddle and lemon squeeze
hichamixico said:
What I mean is that I have partners that are using payment url links for years without any issues.
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so you mean you can help out?
 
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