Credit card processor for high risk

dnbz

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Hello BHW!

I'm looking for a credit card processor with multi-currency & Visa Verified/MasterCard secure support + advanced fraud mechanisms for a medium-high risk business in the filesharing field (p.s. the model is built around micro-transactions starting from 6$/month, so please only recommend relevant providers)

Any recommendations/offers are welcome.

Thanks in advance
 
Hey, you should dig deeper in the Net than here for this kind of "business".

Greets
 
stripe or braintree, the last one is from paypal and they are experts in anti fraud
 
Ye but braintree & stripe ain't high risk ones. Do you plan to do something with adult?
 
"Do you plan to do something with adult?"
no absolutely not. no gambling nor porn nor selling illegal content.
The service in question is a file storage service with download options from other services - making it a large fraud target.

Most payment providers refuse to accept any service that can be used for file sharing, that is why it is high risk.
That coupled with the high fraud rate in the industry ( 3%-15% )
 
what is volume you will process? What is rate you are expecting to pay?
 
The initial volume is 3-4k$ a month.
the expected volume is 80k$/month within half a year.

I will be willing to pay up to 10%.
 
I love 2Checkout, but unfortunately, their terms of use forbid file storage and/or sharing services :(
 
Paddle looks amazing! one of the smoothest flows I've seen
Any personal experience with them? how good is their anti-fraud?
 
Paddle looks amazing! one of the smoothest flows I've seen
Any personal experience with them? how good is their anti-fraud?

No mate but their support is much better and fast as compared to 2CO and Paypal.
 
In exchange for payment of the Commission upon each sale of the Products and subject to all the other terms and conditions of this Agreement, you hereby grant Paddle a non-exclusive and non-transferable right and license during the term of this Agreement: (i) To market, promote, advertise, sell and distribute the Products directly to an end-user of a Product (“Customers”); (ii) to use one copy of the Product to provide demonstrations to prospective Customers, so long as such copy is at all times under our control and not left with the prospective Customer; (iii) to use one copy of the Product to develop applications, connectors and other source code or methods of distribution compatible with the Product; (iv) distribute evaluation copies of the Products free of charge (if applicable for the product type) to prospective customers. Paddle shall not (a) modify the Products or create derivative works thereof; (b) merge the products with other software or services; (c) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code (if applicable) for the Products; (d) disclose to third parties the results of any bench tests performed on the Products without your prior written consent (if applicable); or (e) otherwise use, copy or distribute the Products except as expressly allowed hereunder.


market the products directly to an end-user?
what's up with that?

It's a bit worrying that they don't require -any- verification whatsoever and don't have an allowed businesses list ... how is that even possible?

btw bro:

Referral Bonus ("Bonus")
  • The Bonus will be calculated from the first genuine (i.e. non-test) sale that the Referred Vendor makes ("First Sale").
  • The Bonus will be calculated as follows:

    Gross Monthly Sales of Referred Seller Referral Bonus
    Above $1,000 $2,000
    Between $2,500 and $4,999 $5,000
    Between $5,000 and $9,999 $10,000
    Between $10,000 and $14,999 $15,000
    Between $15,000 and $29,999 $17,500
    Between $30,000 and $49,999 $20,000
    Between $50,000 and $99,999 $25,000
    Above $100,000 $50,000


    if I end up using them you should get the bonus .. that's tons of money.
 
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