Please read my Thread︀ 🙁 I have a chargeback rate of 0,5%...300 transactions/months and maybe 2-3 chargebacks.
Card processor for Singapore business / Marketing services
- Thread starter jrmarketing
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Yes I did this ! But I cannot always manually ask them to do it. Its frustrating and especially new customers wont do it because they consider is as suspciouos.
Well yea I have standard message for failed payments. Something︍ like
please call your bank and manually allow this payment to go through since PayOp︎ is sometimes very strict with declining cards.
If you manage to pay, we will give️ you a good bonus on your order 🙂
Please try it again
please call your bank and manually allow this payment to go through since PayOp︎ is sometimes very strict with declining cards.
If you manage to pay, we will give️ you a good bonus on your order 🙂
Please try it again
Again one thing that makes me furious.
When I google for competitors I see HUNDREDS of companies offering PayPal, Stripe, 2checkout etc etc...even WITHOUT masking. I use my time to analyse their checkouts and maybe find a processor this way. At least one that accepts most of the cards.
Our PayPal worked for years until January 2020. Now if I start with a business account it usually gets suspended after 7-14 days.
What I integrated recently is a manual paypal payment. People place an order and see a paypal.me link and they are instructed to uncheck the ''Payment fopr product/service'' button and not to add︀ any notes.
At least this will work for lojng term clients. New clients might not︁ rely on this.
For card processor I might consider the real masking method.
When I google for competitors I see HUNDREDS of companies offering PayPal, Stripe, 2checkout etc etc...even WITHOUT masking. I use my time to analyse their checkouts and maybe find a processor this way. At least one that accepts most of the cards.
Our PayPal worked for years until January 2020. Now if I start with a business account it usually gets suspended after 7-14 days.
What I integrated recently is a manual paypal payment. People place an order and see a paypal.me link and they are instructed to uncheck the ''Payment fopr product/service'' button and not to add︀ any notes.
At least this will work for lojng term clients. New clients might not︁ rely on this.
For card processor I might consider the real masking method.
Many paypals are just being churned over time.
Ill read the thread︂ but what are your monthly sales around currently? This can be done with stealth paypals︃ as you are doing, though you need to cash them out, and I can chat︄ about that if you tell me how you currently are cashing them out.
Also, you︅ need a UK merchant account to accept US/EU/UK cards tier 1 countries without the fraud︆ hold and subsequent phone call needed, and you need a UK account that wont care︇ or overlook the SMM services, as they are prohibited by Visa/MC explicitly.
I would like︈ to view your site if that is allowed to see what can make it look︉ compliant?
Ideally, you are not selling followers/likes, but a service that will promote the page︊ to receive x amount of likes/followers etc. So instead of 1,000 likes/$40, you list it︋ as growing the account by 1,000 likes for $40.
At least on the surface it︌ is not prohibited then.
I see 14k monthly, should be easy. Youll get a reserve︍ for sure, any high risk will, and yes 7% is nice, its good to let︎ the processor eat and see the account as valuable, that way they are happy to️ keep you around if no one is bothering anyone.
Ill read the thread︂ but what are your monthly sales around currently? This can be done with stealth paypals︃ as you are doing, though you need to cash them out, and I can chat︄ about that if you tell me how you currently are cashing them out.
Also, you︅ need a UK merchant account to accept US/EU/UK cards tier 1 countries without the fraud︆ hold and subsequent phone call needed, and you need a UK account that wont care︇ or overlook the SMM services, as they are prohibited by Visa/MC explicitly.
I would like︈ to view your site if that is allowed to see what can make it look︉ compliant?
Ideally, you are not selling followers/likes, but a service that will promote the page︊ to receive x amount of likes/followers etc. So instead of 1,000 likes/$40, you list it︋ as growing the account by 1,000 likes for $40.
At least on the surface it︌ is not prohibited then.
I see 14k monthly, should be easy. Youll get a reserve︍ for sure, any high risk will, and yes 7% is nice, its good to let︎ the processor eat and see the account as valuable, that way they are happy to️ keep you around if no one is bothering anyone.
It doesnt work that way. Heres why, most US merchant accoutns need a US based signer, a resident or citizen, preferably a citizen with a SSN. I rarely if ever see a non citizen resident with an ITIN get an account. Especially for a startup which you would be classed as.
Further, US accounts limit processing volume︀ to say 50k to start unless you keep a lot of cash in the bank.︁ Its not worth it imo.
As to the taxes, if you arfe a non resident/citizen,︂ you will not pay taxes. An LLC does not pay any tax, it is tax︃ free, taxes are paid only when the LLC pays out salary/profits to the member, and︄ the profit.salary is counted and taxed as income.
Since you are not a US resident,︅ you are not subject to US income tax.
Hence, tax free.
The same will be︆ done with a UK LLP. In an LLP, no corp tax, so if not a︇ resident of the UK, youre good to go! The benefit of the UK account is︈ unrestricted volume basically as well, and more lax rules for boarding. I have clients selling︉ Kratom, SARMS, dating, cams, etc all on UK accounts, US sucks to be blunt.
Further, US accounts limit processing volume︀ to say 50k to start unless you keep a lot of cash in the bank.︁ Its not worth it imo.
As to the taxes, if you arfe a non resident/citizen,︂ you will not pay taxes. An LLC does not pay any tax, it is tax︃ free, taxes are paid only when the LLC pays out salary/profits to the member, and︄ the profit.salary is counted and taxed as income.
Since you are not a US resident,︅ you are not subject to US income tax.
Hence, tax free.
The same will be︆ done with a UK LLP. In an LLP, no corp tax, so if not a︇ resident of the UK, youre good to go! The benefit of the UK account is︈ unrestricted volume basically as well, and more lax rules for boarding. I have clients selling︉ Kratom, SARMS, dating, cams, etc all on UK accounts, US sucks to be blunt.
Hey yes, on our site we say we promote artist link/s until the result he paid for has reached.
But though, in the menu/navigation its listed as: Twitter - Twitter Followers - Twitter Retweets....or Spotify - Spotify Plays - Spotify Followers ....
Currently we get around 14k sales with Stripe (but its suspended already, in 2 days it will end) and I wont want to keep registering new accounts. Also, if possible I dont want to use any masking methods.
Do you think having a UK business would be the best? I have no one to sign for a US business.
How can I as︀ a Singapore citizen with a sole trader business get a UK business, also I would︁ get a UK bank account then right?
And yes 7% fees is only worth it︂ if the processor is better than my current PayOp (russian) as more than a half︃ I'd say 65% of US cards gets declined.)
But though, in the menu/navigation its listed as: Twitter - Twitter Followers - Twitter Retweets....or Spotify - Spotify Plays - Spotify Followers ....
Currently we get around 14k sales with Stripe (but its suspended already, in 2 days it will end) and I wont want to keep registering new accounts. Also, if possible I dont want to use any masking methods.
Do you think having a UK business would be the best? I have no one to sign for a US business.
How can I as︀ a Singapore citizen with a sole trader business get a UK business, also I would︁ get a UK bank account then right?
And yes 7% fees is only worth it︂ if the processor is better than my current PayOp (russian) as more than a half︃ I'd say 65% of US cards gets declined.)
I can assure you that won't cut it. As soon as they see ANYTHING mentioning social media, it will be refused by stripe at least and several other major payment processors I know this as a fact. If you want to pass a visual expection you cannot mention growing accounts /boosting /︀ etc anything like that
and you know of these? What about the privacy aspect? As facebook / Instagram have been known to be aggressive in going after sellers of services. They have got court orders against US / NZ / Chinese companies doing this. US / NZ settled out of court but made international news. These were fairly big outfits︀ but I know smaller companies have received cease and desist letters and threatening letters and︁ felt the need to shut down and do as facebook demanded
And what if I hide my SMM services until Stripe approved my account and then show the servicea again. Once approved, they wont check again? Please let me know 🙂
Privacy as far as?
Who cares about a cease and desist letter? Ok, so you stop services and︀ restart in time under a new name, or you dont care bc youre in a︁ country that doesnt care. Also, you certainly can sell account growth if its manual follow/unfollow,︂ mother/child, stuff like that, that is different than fake followers. As far as risk goes,︃ hes already selling it, many are, you need to decide if its worth it to︄ you.
I see it as low risk if his sales are where they are.
Im sure there are plenty of resources on this forum as well to hide yourself well︅ enough.
Take this for example even, low tech, and im just throwing this out there︆ part question wise part why not I have not looked into it:
Say I have︇ a friend in Morocco or Georgia. They open UK company and get merchant account, which︈ I then use/pay rent for. Who is suing a guy with nothing in his bank︉ account in these countries?
I have an IPTV guywho doesnt care at all bc as︊ he said "I live in Morocco in the middle of no where who cares"
All of his money goes elsewhere after he receives it. Is Instagram going to get anything︋ from a Moroccan villager with $100 in his bank?
By stripe yes, and by US accounts sure, but by others of course not, we see that he already has PayOp doing this, though not with great success, but clearly they dont care.
Who cares about a cease and desist letter? Ok, so you stop services and︀ restart in time under a new name, or you dont care bc youre in a︁ country that doesnt care. Also, you certainly can sell account growth if its manual follow/unfollow,︂ mother/child, stuff like that, that is different than fake followers. As far as risk goes,︃ hes already selling it, many are, you need to decide if its worth it to︄ you.
I see it as low risk if his sales are where they are.
Im sure there are plenty of resources on this forum as well to hide yourself well︅ enough.
Take this for example even, low tech, and im just throwing this out there︆ part question wise part why not I have not looked into it:
Say I have︇ a friend in Morocco or Georgia. They open UK company and get merchant account, which︈ I then use/pay rent for. Who is suing a guy with nothing in his bank︉ account in these countries?
I have an IPTV guywho doesnt care at all bc as︊ he said "I live in Morocco in the middle of no where who cares"
All of his money goes elsewhere after he receives it. Is Instagram going to get anything︋ from a Moroccan villager with $100 in his bank?
By stripe yes, and by US accounts sure, but by others of course not, we see that he already has PayOp doing this, though not with great success, but clearly they dont care.
Stri*** will review our account tomorrow. Official suspension date is tomorrow and employee will review site on Monday.
Do you think I should disable SMM services completely till I get an answers from Str***? And in case I am approved... I will add SMM back?
What do you think?
Do you think I should disable SMM services completely till I get an answers from Str***? And in case I am approved... I will add SMM back?
What do you think?
You didnt read my post 🙁
I mean, I KNOW SMM is not allowed but once approved I can add it back and then it will maybe run for many months.
I mean, I KNOW SMM is not allowed but once approved I can add it back and then it will maybe run for many months.
I did, im saying, why are you bothering with a processor that is known to not allow SMM and known to shut down accounts regularly due to TOS violations.
It might only run for a few days. Or maybe years who knows. But Stripe, PayPal, these processors audit sites often enough on their own for compliance, and one chargeback will trigger it, using Stripe for anything outside its TOS is︀ just asking for shut down.
Or at least run a virtual terminal as a MOTO︁ company and enter payments manually and dont have a website even registered. That way there︂ is nothing to actually audit.
It might only run for a few days. Or maybe years who knows. But Stripe, PayPal, these processors audit sites often enough on their own for compliance, and one chargeback will trigger it, using Stripe for anything outside its TOS is︀ just asking for shut down.
Or at least run a virtual terminal as a MOTO︁ company and enter payments manually and dont have a website even registered. That way there︂ is nothing to actually audit.
I Know its against their TOS , through almost every︁ seller of followers/views uses them, either they have very old accounts and stay under the︂ radar, or they use masking methods.
Why should Stripe trigger it if there is a︃ legit site in between? How would they know its about followers etc....on PayPal buyers can︄ open a dispute, on Stripe they can only open a chargeback, not sure if they︅ can add the reason: ''I didnt received my followers'' Lol
Virtual terminal for manual payments,︆ how and where?
Why should Stripe trigger it if there is a︃ legit site in between? How would they know its about followers etc....on PayPal buyers can︄ open a dispute, on Stripe they can only open a chargeback, not sure if they︅ can add the reason: ''I didnt received my followers'' Lol
Virtual terminal for manual payments,︆ how and where?
Well PayPal is an intermediary, so when someone disputes paypal, it is︀ a chargeback, its just that PayPal is able to right away do a reversal. They︁ then hold that money, and wait for the decision of the chargeback from the banks︂ involved.
Stripe is a chargeback all the same.
Yes you can add notes to your︃ chargebackm didnt receive service, or something like "SMM".
As far as accounts going on for︄ years, they may likely be using new accounts every so often, though yes an account︅ can last a long time thats chance. Smaller volumes perhaps. Perhaps using several accounts to︆ keep the volume on each account smaller.
Stripe itself can be used as a Virtual︇ Terminal and so can PayPal and Square. All it means is you enter card details︈ manually. Youll find it on the dashboard. With PayPal, i believe youll need a business︉ account and to pay a monthly fee. Some people you see also do not integrate︊ Stripe into the website, but instead, send out invoices via email from a different site/company,︋ so there is no connection. It can still be lost due to chargebacks or someone︌ reporting it, but at least its n ot tied to your main site, this is︍ much better than doing a redirect I think.
To get your own virtual terminal otherwise︎ you need to apply for one with any processor, they may ask for sales scripts,️ proof of what youre selling, etc. in addition to your standard bank statements, ID, voided check, corporate docs, etc:
For MOTO Merchants (50% or more transactions are MOTO),Please provide the following
1 - Invoices
a. Sample of invoices sent to customers
2 - Scripts
a. All phone scripts used by sales
3 - Collateral Marketing
Stripe is a chargeback all the same.
Yes you can add notes to your︃ chargebackm didnt receive service, or something like "SMM".
As far as accounts going on for︄ years, they may likely be using new accounts every so often, though yes an account︅ can last a long time thats chance. Smaller volumes perhaps. Perhaps using several accounts to︆ keep the volume on each account smaller.
Stripe itself can be used as a Virtual︇ Terminal and so can PayPal and Square. All it means is you enter card details︈ manually. Youll find it on the dashboard. With PayPal, i believe youll need a business︉ account and to pay a monthly fee. Some people you see also do not integrate︊ Stripe into the website, but instead, send out invoices via email from a different site/company,︋ so there is no connection. It can still be lost due to chargebacks or someone︌ reporting it, but at least its n ot tied to your main site, this is︍ much better than doing a redirect I think.
To get your own virtual terminal otherwise︎ you need to apply for one with any processor, they may ask for sales scripts,️ proof of what youre selling, etc. in addition to your standard bank statements, ID, voided check, corporate docs, etc:
For MOTO Merchants (50% or more transactions are MOTO),Please provide the following
1 - Invoices
a. Sample of invoices sent to customers
2 - Scripts
a. All phone scripts used by sales
3 - Collateral Marketing
- Brochures and any other marketing
UK companies have public register of name and address. If similar businesses have been threatened previously you may not want that to be public. I don't know what needs to be done for the merchant account used to give up your details as there is privacy in laws for UK, but I don't imagine it is difficult for international corporations with billions in turnover and lawyers on tap to go through that process (although maybe I am wrong here)
Sure you can ignore a C&D. If they have︂ just emailed it to you under the business name. Many people get a bit freaked︃ out if is address to their actual name with their address listed threatening future court︄ orders from facebook's lawyers if they don't stop trading, transfer customer lists and do everything︅ they demand. Many businesses have closed down for less in the facebook / instagram space︆ in the last few years.
Not with the main processors (stripe / paypal / 2cho). Anything that︋ mentions social media they will just say "no". I've had some projects that are not︌ anything todo with fake followers / likes but was related to social media sites and︍ was refused. Sure you can get around it. But trying to legitamise your site by︎ saying "growing social media accounts", I don't think will cut it.
sure that is always a possibility, to just︀ "not worry about it". If you live in the arse end of Morroco it probably︁ is a decent enough strategy, but that is not everyone. Assuming they opened the UK︂ company and merchant account with their actual details, they have address / passport / ID︃ details. IF you have $100 in your bank they are not going to be interested︄ if you are doing $1000 sales a month, but when start hitting $10k, $50k and︅ getting bigger. After having ignored their C&D and they decide to go after you. Sure︆ it might not happen to you, but it has to others. The time to think︇ about this and mitigate it is now, not once you have grown and bringing in︈ decent revenues and already getting attention from facebook lawyers.
Sorry I wasn't clear. I was only referring to the major US players, stripe /︌ paypal et al. Of course there are outfits who don't care, but as OP said,︍ they get terrible success rates and are not working well for OP
Sure you can ignore a C&D. If they have︂ just emailed it to you under the business name. Many people get a bit freaked︃ out if is address to their actual name with their address listed threatening future court︄ orders from facebook's lawyers if they don't stop trading, transfer customer lists and do everything︅ they demand. Many businesses have closed down for less in the facebook / instagram space︆ in the last few years.
Not with the main processors (stripe / paypal / 2cho). Anything that︋ mentions social media they will just say "no". I've had some projects that are not︌ anything todo with fake followers / likes but was related to social media sites and︍ was refused. Sure you can get around it. But trying to legitamise your site by︎ saying "growing social media accounts", I don't think will cut it.
sure that is always a possibility, to just︀ "not worry about it". If you live in the arse end of Morroco it probably︁ is a decent enough strategy, but that is not everyone. Assuming they opened the UK︂ company and merchant account with their actual details, they have address / passport / ID︃ details. IF you have $100 in your bank they are not going to be interested︄ if you are doing $1000 sales a month, but when start hitting $10k, $50k and︅ getting bigger. After having ignored their C&D and they decide to go after you. Sure︆ it might not happen to you, but it has to others. The time to think︇ about this and mitigate it is now, not once you have grown and bringing in︈ decent revenues and already getting attention from facebook lawyers.
Sorry I wasn't clear. I was only referring to the major US players, stripe /︌ paypal et al. Of course there are outfits who don't care, but as OP said,︍ they get terrible success rates and are not working well for OP
Ok got it, tbh UK plays by DMCA most people do (even if not required by law), and so theyll follow︀ most privacy/cease desist letter with any authority im sure.
I know there are DMCA ignored︁ servers (top of my head i forget but they are searchable), but DMCA ignored merchant︂ accounts of course not since they play by Visa/MC. Only people i know bypassing the︃ merchant account (and therefore staying anonymous) are using stealth paypals. Issue being you may have︄ to create a lot, as you may only want to run 1-2k month on each︅ one to keep them under the radar.
[/QUOTE]Sure you can ignore a C&D. If they︆ have just emailed it to you under the business name. Many people get a bit︇ freaked out if is address to their actual name with their address listed threatening future︈ court orders from facebook's lawyers if they don't stop trading, transfer customer lists and do︉ everything they demand. Many businesses have closed down for less in the facebook / instagram︊ space in the last few years.[/QUOTE]
True, i was more referring to as mentioned, 1)︋ you live in a place that those laws dont apply or 2) you do cease︌ and desist, and then start up again elsewhere under new alias/names etc
Of course, the︍ ease of this is helped if ou are a smaller company. Restarting and transferring old︎ customers at10k/month is easy, 100k/month youll lose business and be restarting.
[/QUOTE]Not with the main️ processors (stripe / paypal / 2cho). Anything that mentions social media they will just say "no". I've had some projects that are not anything todo with fake followers / likes but was related to social media sites and was refused. Sure you can get around it. But trying to legitamise your site by saying "growing social media accounts", I don't think will cut it.[/QUOTE]
Correct. Stripe etc wont play or will sut you down 10 days later.
[/QUOTE]sure that is always a possibility, to just "not worry about it". If you live in the arse end of Morroco it probably is a decent enough strategy,︀ but that is not everyone. Assuming they opened the UK company and merchant account with︁ their actual details, they have address / passport / ID details. IF you have $100︂ in your bank they are not going to be interested if you are doing $1000︃ sales a month, but when start hitting $10k, $50k and getting bigger. After having ignored︄ their C&D and they decide to go after you. Sure it might not happen to︅ you, but it has to others. The time to think about this and mitigate it︆ is now, not once you have grown and bringing in decent revenues and already getting︇ attention from facebook lawyers.[/QUOTE]
Also nothing to argue on that point.
[/QUOTE]Sorry I wasn't clear.︈ I was only referring to the major US players, stripe / paypal et al. Of︉ course there are outfits who don't care, but as OP said, they get terrible success︊ rates and are not working well for OP
[/QUOTE]
Ok yes almost all US accounts︋ will not play with this unless they are lying. I just spoke to cardseriveproviders.com about︌ this and a few other things as I sometimes call other brokers to just see︍ whats going on.
I mentioned organic growth vs fake, he agreed all fake is a︎ no go. He also agreed most "organic" is just fake and mis named so US️ banks wont touch it. Some organic growers are real, and use jarvee, mother/child f/uf, shoutouts, etc. (not to debate if those work anymore just to show what i mean by growth services)
Those would only be doable out of the US afaik.
I know there are DMCA ignored︁ servers (top of my head i forget but they are searchable), but DMCA ignored merchant︂ accounts of course not since they play by Visa/MC. Only people i know bypassing the︃ merchant account (and therefore staying anonymous) are using stealth paypals. Issue being you may have︄ to create a lot, as you may only want to run 1-2k month on each︅ one to keep them under the radar.
[/QUOTE]Sure you can ignore a C&D. If they︆ have just emailed it to you under the business name. Many people get a bit︇ freaked out if is address to their actual name with their address listed threatening future︈ court orders from facebook's lawyers if they don't stop trading, transfer customer lists and do︉ everything they demand. Many businesses have closed down for less in the facebook / instagram︊ space in the last few years.[/QUOTE]
True, i was more referring to as mentioned, 1)︋ you live in a place that those laws dont apply or 2) you do cease︌ and desist, and then start up again elsewhere under new alias/names etc
Of course, the︍ ease of this is helped if ou are a smaller company. Restarting and transferring old︎ customers at10k/month is easy, 100k/month youll lose business and be restarting.
[/QUOTE]Not with the main️ processors (stripe / paypal / 2cho). Anything that mentions social media they will just say "no". I've had some projects that are not anything todo with fake followers / likes but was related to social media sites and was refused. Sure you can get around it. But trying to legitamise your site by saying "growing social media accounts", I don't think will cut it.[/QUOTE]
Correct. Stripe etc wont play or will sut you down 10 days later.
[/QUOTE]sure that is always a possibility, to just "not worry about it". If you live in the arse end of Morroco it probably is a decent enough strategy,︀ but that is not everyone. Assuming they opened the UK company and merchant account with︁ their actual details, they have address / passport / ID details. IF you have $100︂ in your bank they are not going to be interested if you are doing $1000︃ sales a month, but when start hitting $10k, $50k and getting bigger. After having ignored︄ their C&D and they decide to go after you. Sure it might not happen to︅ you, but it has to others. The time to think about this and mitigate it︆ is now, not once you have grown and bringing in decent revenues and already getting︇ attention from facebook lawyers.[/QUOTE]
Also nothing to argue on that point.
[/QUOTE]Sorry I wasn't clear.︈ I was only referring to the major US players, stripe / paypal et al. Of︉ course there are outfits who don't care, but as OP said, they get terrible success︊ rates and are not working well for OP
[/QUOTE]
Ok yes almost all US accounts︋ will not play with this unless they are lying. I just spoke to cardseriveproviders.com about︌ this and a few other things as I sometimes call other brokers to just see︍ whats going on.
I mentioned organic growth vs fake, he agreed all fake is a︎ no go. He also agreed most "organic" is just fake and mis named so US️ banks wont touch it. Some organic growers are real, and use jarvee, mother/child f/uf, shoutouts, etc. (not to debate if those work anymore just to show what i mean by growth services)
Those would only be doable out of the US afaik.
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