How do you find such a CC Payment Processor?

frodo92 · Dec 14, 2024

Hi!

Have you heard of CPA cc submit Blank Checkout or Sweepstakes offers? These are based on recurring payments like 1 usd initially and 49 usd every 2 weeks until the subscription is canceled.

The customer arrives from an affiliate website (website A) to this payment landing page (cpa offer - website B) where they enter their card details. Basically this page is from a legitimate looking website, such as a website selling a fitness program with paid membership.

Basically, the payment processor sees that a user went to website B and bought from there, doesn't know that he was actually sent from website A directly to the checkout page from website B and didn't know what he bought.

After he makes the initial payment of 1 usd, he will receive or not (on a case by case basis) the content that the affiliate site promised.

Given the business model, it certainly generates a lot of chargebacks. Users try to pay for something on website A but in fact they will get a personalized fitness program from website B, or in the worst case they will get nothing. Afterwards they will be billed every 2 weeks with 49 usd until they cancel the subscription.

In most cases users don't know how to cancel this subscription because they don't know the website B on which the payment was made and don't know how to reach them on the website to cancel. Thus, they have to request a chargeback from the bank.

So the percentage of chargebacks in this business model is probably huge, maybe even over 10% of the number of payments.

My question is: how do the owners of these websites manage such a large number of chargebacks? But how do payment processors accept such practices? I knew that more than 1% chargebacks will ban your account.

Simonsim89 · Dec 17, 2024

frodo92 said:
Hi!

Have you heard of CPA cc submit Blank Checkout or Sweepstakes offers? These are based on recurring payments like 1 usd initially and 49 usd every 2 weeks until the subscription is canceled.

The customer arrives from an affiliate website (website A) to this payment landing page (cpa offer - website B) where they enter their card details. Basically this page is from a legitimate looking website, such as a website selling a fitness program with paid membership.

Basically, the payment processor sees that a user went to website B and bought from there, doesn't know that he was actually sent from website A directly to the checkout page from website B and didn't know what he bought.

After he makes the initial payment of 1 usd, he will receive or not (on a case by case basis) the content that the affiliate site promised.

Given the business model, it certainly generates a lot of chargebacks. Users try to pay for something on website A but in fact they will get a personalized fitness program from website B, or in the worst case they will get nothing. Afterwards they will be billed every 2 weeks with 49 usd until they cancel the subscription.

In most cases users don't know how to cancel this subscription because they don't know the website B on which the payment was made and don't know how to reach them on the website to cancel. Thus, they have to request a chargeback from the bank.

So the percentage of chargebacks in this business model is probably huge, maybe even over 10% of the number of payments.

My question is: how do the owners of these websites manage such a large number of chargebacks? But how do payment processors accept such practices? I knew that more than 1% chargebacks will ban your account.

What you're describing is a pretty shady business model, and yeah, the high chargeback rate is a major red flag for most payment processors. To manage this, operators of such sites often rely on offshore or high-risk payment processors that specialize in working with industries prone to chargebacks (think adult content, supplements, etc.). These processors charge much higher fees but are more lenient with chargeback thresholds. Some also use tactics like multiple MID (Merchant Identification Number) accounts to spread out transactions and mask the actual chargeback rate. However, it’s a constant cat-and-mouse game, and accounts often get shut down eventually. Legit payment processors won’t tolerate this for long, so people in these setups tend to hop between processors or use shell companies to stay operational. Not exactly sustainable or ethical!
That's all I know about this business model at the moment.

frodo92 · Dec 17, 2024

Simonsim89 said:
What you're describing is a pretty shady business model, and yeah, the high chargeback rate is a major red flag for most payment processors. To manage this, operators of such sites often rely on offshore or high-risk payment processors that specialize in working with industries prone to chargebacks (think adult content, supplements, etc.). These processors charge much higher fees but are more lenient with chargeback thresholds. Some also use tactics like multiple MID (Merchant Identification Number) accounts to spread out transactions and mask the actual chargeback rate. However, it’s a constant cat-and-mouse game, and accounts often get shut down eventually. Legit payment processors won’t tolerate this for long, so people in these setups tend to hop between processors or use shell companies to stay operational. Not exactly sustainable or ethical!
That's all I know about this business model at the moment.

Thank you very much for your response!

There’s a lot of talk about the existence of such “high-risk” or “offshore” card payment processors.

From what I’ve researched, a high-risk processor refers to one that allows more questionable niches, not one that permits a higher chargeback percentage. The chargeback percentage must remain below 1% because VISA and MASTERCARD enforce these limits. Otherwise, the payment processor can face penalties.

If you claim there are processors that accept chargeback rates higher than 1%, I would really like to see a list of these. I’d like to see where it’s stated on their website or a clear conversation with them where they confirm this. Otherwise, it remains a myth.

Regarding the use of multiple MID accounts, this does seem to be the only viable solution, but even here, I have some doubts. We’re talking about the chargeback percentage, not the total number of chargebacks. So whether we have 1,000 transactions on a single account with 10% chargebacks, or 200 transactions across 5 accounts that add up to 1,000 transactions, the chargeback rate of 10% remains exactly the same.

Card payment processors will ban you for a chargeback percentage exceeding 1%, regardless of the total number of transactions. You could have as few as 10 transactions a month, but if 2 of them are chargebacks, that’s a 20% chargeback rate, and you’re banned.

axis621071 · Jan 8, 2025

I'm also looking for a merchant for same websitets membership

About Chargeback can also be reduced very simply, when writing off in MID should be indicated the name of the site, where there is a big button to cancel subscription (I have many examples of such sites, thanks ADVARTO TRADING LIMITED) and the user will be able to write to you, where you can either reassure him that the money will return back to the account in 2 weeks, or disconnect his card from the system of recurring payments.

Lufut · Jan 28, 2025

Finding the right credit card payment processor involves balancing several factors, such as fees, security, customer support, and features. Whether you’re a small business owner, in telesales, or running an eCommerce store, the key is to match your payment processor to your specific needs.

manofsoul · Nov 15, 2025

frodo92 said:
Hi!

Have you heard of CPA cc submit Blank Checkout or Sweepstakes offers? These are based on recurring payments like 1 usd initially and 49 usd every 2 weeks until the subscription is canceled.

The customer arrives from an affiliate website (website A) to this payment landing page (cpa offer - website B) where they enter their card details. Basically this page is from a legitimate looking website, such as a website selling a fitness program with paid membership.

Basically, the payment processor sees that a user went to website B and bought from there, doesn't know that he was actually sent from website A directly to the checkout page from website B and didn't know what he bought.

After he makes the initial payment of 1 usd, he will receive or not (on a case by case basis) the content that the affiliate site promised.

Given the business model, it certainly generates a lot of chargebacks. Users try to pay for something on website A but in fact they will get a personalized fitness program from website B, or in the worst case they will get nothing. Afterwards they will be billed every 2 weeks with 49 usd until they cancel the subscription.

In most cases users don't know how to cancel this subscription because they don't know the website B on which the payment was made and don't know how to reach them on the website to cancel. Thus, they have to request a chargeback from the bank.

So the percentage of chargebacks in this business model is probably huge, maybe even over 10% of the number of payments.

My question is: how do the owners of these websites manage such a large number of chargebacks? But how do payment processors accept such practices? I knew that more than 1% chargebacks will ban your account.

Are you the same Frodo who was pouring from Google? Send me a private message, Бро)

proxysolid1 · Nov 15, 2025

But this business model can't last long. They're forced to use unreliable payment processors, offshore banks, and high-risk accounts that accept chargeback fees no legitimate business could tolerate. It's not that the payment processors allow it; they're simply not involved. So these companies basically survive by burning through domains and accounts and opening new ones before the old ones are shut down. I don't think it's very sustainable.

How do you find such a CC Payment Processor?

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