Merchant of Record / Payment Gateway for non resident US LLC?

[DollarDog]

Recently been having some issues with Stripe, seems like for US LLC there are not many options... this is what I tried:
Means still in pending/review
Means Rejected
Means Approved

----------------------------------
Paddle
PayOp
Platnova
PayMongo
Authorize.net
Payoneer (Approved but can't create decent checkout sessions)
BlueSnap
PayPal
Zen.com
Skrill
Adyen
PayLony (Super sketchy nigerian gateway, didn't started the KYC)
Nuvei
Unlimit
Omise
Payvant
Paycec
Mollie
Chargebee
Creem (do not support custom checkouts, only saved products)
Polar (do not support custom checkouts, only saved products)
GoCardless
PayProGlobal
CyberSource
NMI Payments
Onyx Processing (They seems accepting but really sketchy, anyone has experience?)
HitPay

----------------------------------

Suggest others that I should try

 

[intlman]

What issues have you been having with Stripe?

 

[DollarDog]

Recently been having some issues with Stripe, seems like for US LLC there are not‌ many options... this is what I tried:

● Pending/Review
● Rejected
● Approved

---

• Paddle ●
  
• PayOp ●
  
• Platnova ●
  
• PayMongo ●
  
• Authorize.net ●
  
• Payoneer ● (Approved but can't create decent‍ checkout sessions)
  
• BlueSnap ●
  
• PayPal
  
• Zen.com ●
  
• Skrill
  
• Adyen ●
  
• PayLony (Super sketchy Nigerian gateway,⁠ didn't start the KYC)
  
• Nuvei ●
  
• Unlimit ●
  
• Omise ●
  
• Payvant ●
  
• Paycec
  
• Mollie ●
  
• Chargebee ●
  
• Creem ● (do not support custom checkouts, only saved products)
  
• Polar ● (do not support custom checkouts, only saved products)
  
• GoCardless
  
• PayProGlobal ●
  
• CyberSource
  
• NMI Payments ●
  
• Onyx Processing ● (They seem accepting but really sketchy, anyone has experience?)
  
• HitPay ●
  

---

Suggest others⁤ that I should try

Ups, created 2 threads by mistake. if possible Admins can we⁣ merge it here?

 

[DollarDog]

Charges suspended due to a single client that apparently used stolen credit cards.. which we‌ refunded and implemented further measures. Still they seem to don't care.

 

[Houdini]

`We need much more information for all of this, your thread is worthless without background‌ info.

 

[DollarDog]

I have 2 websites attached to the same stripe account, one of the 2 is‌ 4+ years old 200K+ processed, 0 chargebacks for all period, legitimate business in education space.‍ The other one is a new project coming up (Tech related), and recently I've been⁠ targeted by some fraudsters using stolen cards, I noticed the problem and was trying to⁤ block them before reaching the gateway.

But Stripe decided to block first the tech account⁣ where the chargebacks happened, then seems like during their investigation decided to close also my⁢ other account the business with 0 chargebacks all legit european customers.

 

[myshufflemix]

are they a full service payment provider?‌ you don't need to have a merchant account first before you use them ?

 

[DollarDog]

No Idea, I am‍ applying everywhere.

 

[myshufflemix]

So you don’t even check which company you're applying to or what the service provider‌ is actually capable of? You just send your information out to anyone?

 

[DollarDog]

Just a general look, NMI should be a processor as it integrates with‍ Chargebee, so yeah.

 

[jalamicr]

They are now ("NMI‍ Payments") -- through a recent acquisition.

 

[myshufflemix]

ahh, but NMI never provided the merchant account / agreement only the connection with the‍ banks?

 

[jalamicr]

That was true in the past, but since they‍ acquired the commercial division of Sphere, and became an ISO themselves, they can also provide⁠ the merchant account / agreement as well. Although I imagine they will need a US⁤ resident with credit to provide Personal Guarantee.

 

[bologne]

how it's going with finding new one @DollarDog ? found anything working good for you‌ business?

 

[DollarDog]

Seems like no one opens, completely dramatic.

 

[bologne]

very bad it is going for you⁢ as I see, found new one in the meantime or dancing around between the working︀ one?

 

[EliasIT]

So they are for US citizens only or if⁤ you can find a US director willing to do the underwriting they will process for⁣ a foreign company ?

 

[jalamicr]

As far as I understand it, it has to be a US⁠ company with a US resident on the company, who can sign for the merchant account⁤ with a Personal Guarantee. They'd run a credit check as part of the process.

 

[happyjohn]

That make them useless for anyone else to use other than real US LLC's.⁤