Anyone else dealing with payment processor shutdowns?

SmugBug said:
You're very right about this.

I'm a victim of PayPal's unnecessary shutdown and even after 5 years, they still haven't released my fund. Every time I call to ask for my money, none of the support team have a clue why they hold my money or why the account was terminated in the first place because none of their terms was violated.

I have used Stripes and Square to process my payments ever since and I have not encountered any problem as was with PayPal that I'll need to change account every few weeks.

Personally, I don't think anyone who cares about his earnings should use PayPal to process their payment
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That’s brutal — 5 years is insane. I’ve heard stories about long holds, but that’s on another level. It’s crazy how PayPal can just sit on funds with no clear explanation, even when you’re playing by the rules.


Glad to hear Stripe and Square have been smoother for you. I’ve noticed they’re generally more consistent, though they do sometimes flag accounts in certain niches or if volume spikes too fast.


I agree with you though — putting all your earnings through PayPal feels like asking for trouble. Out of curiosity, for those here who’ve had to leave PayPal behind, what did you move to next? Stripe/Square, crypto, or something else?
 
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sbshd042 said:
No, it's not
1)Not safe
2)Needed additional knowledge. It's trouble for old people
3)And all its sounded every year. But not big changes we see
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every year there’s talk about crypto becoming “mainstream” for payments, and yet it still hasn’t really crossed over.


For sure, adoption is the biggest hurdle. A lot of buyers still see it as unsafe or just don’t want to deal with the extra steps. And you’re right, for older customers it’s even more of a blocker. That’s why most businesses can’t really rely on crypto alone — it limits sales too much.


I think the interesting piece will be what happens if/when banks start offering hybrid solutions (crypto + fiat in the same checkout). Until then, businesses still need something that gives buyers the same trust as PayPal/Stripe without the risk of being frozen overnight.
 
Swipe Saving said:
at the end of the day it’s about keeping the business profitable and maintaining customer trust. Nobody wants their checkout to scream “scam,” because that kills conversions fast.


And you’re right, going crypto-only usually cuts sales way down since a lot of buyers just aren’t comfortable with it. That’s why most sellers I’ve talked to look for some kind of middle ground — something that keeps the legit appearance of PayPal/Stripe but doesn’t carry the same shutdown risk.


Curious — have you (or anyone else here) found a setup that balances that? Something that keeps buyers comfortable while still letting the seller sleep at night?
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I use classic Stripe+Paypal
 
sbshd042 said:
y is accept = low sale rate.
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sbshd042 said:
I use classic Stripe+Paypal
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Makes sense — Stripe + PayPal is definitely the “default” combo for most sellers. It’s convenient, buyers trust it, and it works fine until it doesn’t. The risk, of course, is that both of them are known to freeze or limit accounts if something triggers their system, and then you’re stuck.


Out of curiosity, do you keep a backup lined up just in case, or are you rolling with Stripe/PayPal only right now?
 
Swipe Saving said:
Makes sense — Stripe + PayPal is definitely the “default” combo for most sellers. It’s convenient, buyers trust it, and it works fine until it doesn’t. The risk, of course, is that both of them are known to freeze or limit accounts if something triggers their system, and then you’re stuck.


Out of curiosity, do you keep a backup lined up just in case, or are you rolling with Stripe/PayPal only right now?
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I know how get new paypal/stripe accounts
P/S I don't share any details because that information Forbidden here. So please don't ask about that
 
sbshd042 said:
Got it, makes sense — and yeah, I know details like that aren’t allowed here so no worries.


Sounds like you’ve got your own system for keeping things running. I’m more curious on the business side — do you find constantly replacing accounts slows you down, or is it just part of the cost of doing business for you?
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Sounds like you’ve got your own system for keeping things running. I’m more curious on the business side — do you find constantly replacing accounts slows you down, or is it just part of the cost of doing business for you?
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The only thing that matters = I get good sale rate.
That main on that bussiness = It's worth the effort.
 
That’s a fair point — I agree the people who post about shutdowns are usually the ones who’ve had issues, so the sample will naturally be skewed.
 
Stop using these "internet payment processors"

You have seen how they act

They are for amateurs

Get a business bank account and feed it from the Authorize.net Payment Gateway
Merchant Account just like every other real business, unless you are high risk in
which case you need to shop around for a high risk processor

Does American Airlines use Paypal ?

Sincerely,

The Eye
 
sbshd042 said:
I mean buyer can't appeal transaction. Can't get chargeback
Big amount dark scammers sellers
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You could think of those as its strengths too though? There's plenty of chargeback scams where payment is cancelled after delivery, which is undoable in services. After you deliver the code, you can't take it back. So crypto makes that payment irreversible.
 
bartosimpsonio said:
You could think of those as its strengths too though? There's plenty of chargeback scams where payment is cancelled after delivery, which is undoable in services. After you deliver the code, you can't take it back. So crypto makes that payment irreversible.
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Yes, users can abuse this. And yes, unfortunately, PayPal often sides with the buyer, ignoring the seller's arguments.

BUT THIS FEATURE is the reason why PayPal is the most popular payment method. Buyers know that the seller won't say “Fuck you” as soon as seller receive their money. And even if that happens, PayPal will most likely allow the money to be returned, even if the seller manages to withdraw the money.

The buyer is more important than the seller. Buyer SPEND money. Whether you like it or not. But that's how it is!
 
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sbshd042 said:
Yes, users can abuse this. And yes, unfortunately, PayPal often sides with the buyer, ignoring the seller's arguments.

BUT THIS FEATURE is the reason why PayPal is the most popular payment method. Buyers know that the seller won't say “Fuck you” as soon as seller receive their money. And even if that happens, PayPal will most likely allow the money to be returned, even if the seller manages to withdraw the money.

The buyer is more important than the seller. Buyer SPEND money. Whether you like it or not. But that's how it is!
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That’s a good breakdown — and you’re right, PayPal’s buyer-first policy is exactly why so many customers trust it. From the buyer’s perspective, it feels “safe,” even if that safety sometimes comes at the seller’s expense.


Where I think the challenge comes in is balance. If the scales tilt too far toward the buyer, it creates situations where legit sellers get punished even when they did everything right. I’ve seen businesses lose thousands overnight because PayPal froze funds while “reviewing” a dispute.


That’s why I find alternative setups interesting — ones that still give buyers the comfort of a normal card checkout, but don’t leave sellers exposed to sudden freezes or permanent holds. They’re not as mainstream as PayPal, but they do exist and can make a big difference for businesses that rely on cash flow to survive.


Curious what others think — is it better to accept the buyer-first risk just to maximize trust, or to sacrifice a little familiarity to get more stability on the seller’s side?
 
Swipe Saving said:
That’s brutal — 5 years is insane. I’ve heard stories about long holds, but that’s on another level. It’s crazy how PayPal can just sit on funds with no clear explanation, even when you’re playing by the rules.


Glad to hear Stripe and Square have been smoother for you. I’ve noticed they’re generally more consistent, though they do sometimes flag accounts in certain niches or if volume spikes too fast.


I agree with you though — putting all your earnings through PayPal feels like asking for trouble. Out of curiosity, for those here who’ve had to leave PayPal behind, what did you move to next? Stripe/Square, crypto, or something else?
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You're right about how consist stripe and Square have been and the flags and suspensions too but from experience, if you're able to present valid and convincing proofs about the transaction that got your account banned/suspended, your account would be reinstated.

bartosimpsonio said:
You could think of those as its strengths too though? There's plenty of chargeback scams where payment is cancelled after delivery, which is undoable in services. After you deliver the code, you can't take it back. So crypto makes that payment irreversible.
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I'm currently dealing with a situation with Stripe whereby a customer flagged a 50k+ transaction as fraudulent a week after service had been completed, delivered and reviewed as good. I still find it difficult to understand why a customer would do such.
 
It’s happening a lot lately, especially in high-risk industries like CBD, adult, and e-commerce. Even legit businesses are getting hit, often without warning.
 
Iacdhhet said:
It’s happening a lot lately, especially in high-risk industries like CBD, adult, and e-commerce. Even legit businesses are getting hit, often without warning.
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Yeah, I’ve been seeing the same thing across CBD, adult, and even service industries — legit businesses getting flagged out of nowhere. What a lot of people don’t realize is there are setups out there designed specifically for high-risk merchants that don’t trigger the same shutdown cycle, but they don’t get talked about much publicly.


It’s definitely not a one-size-fits-all thing, though — depends on the business model and what the merchahttps://www.blackhatworld.com/attachments/upload?type=post&context[thread_id]=1752147&hash=c64df56e9e3163c1b64ec44c7c4b7e52nt needs. Anyone here who’s tired of getting burned probably already knows what I’m hinting at
 
SmugBug said:
m currently dealing with a situation with Stripe whereby a customer flagged a 50k+ transaction as fraudulent a week after service had been completed, delivered and reviewed as good. I still find it difficult to understand why a customer would do such.
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That’s brutal — especially on a ticket that size. Unfortunately, once a chargeback is filed, Stripe is legally bound to side with the card issuer until it’s resolved, even if the service was delivered and reviewed. I’ve seen sellers provide iron-clad proof, and it still doesn’t guarantee the dispute gets overturned.


The frustrating part is how exposed that leaves merchants. One buyer’s bad decision can wipe out weeks of work and tie up huge amounts of revenue. Some businesses I’ve talked to have started looking at ways to protect themselves against exactly this kind of scenario, since relying 100% on Stripe leaves you wide open.


Curious — do you have any kind of backup setup in place, or is Stripe your only processor right now?
 
SmugBug said:
I'm currently dealing with a situation with Stripe whereby a customer flagged a 50k+ transaction as fraudulent a week after service had been completed, delivered and reviewed as good. I still find it difficult to understand why a customer would do such.
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Man that sucks. Did they try to chargeback scam you? Or was there something wrong with the 50k transaction?
 
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