Credit card processors accounts with fake documents (Saas website)

[zahir]

Hi everyone,

I'm a web developer and I want to process credit card transactions on my new project, it is a SaaS website so users can subscribe to monthly or yearly plans to use the service, this problem is Stripe rejected the website (due to high risk business) but I see competitors (with the same business and SaaS) are using Stripe without any problem, so I can't use Stripe anymore, or maybe with my real information...

I'm asking if anyone has experience with registering with payment processors like Worldpay, Adyen, Stripe, Authorize.NET... with fake documents (not real darks)?

I'm from a country that none of the existing payment processors can support it, I got banned from Stripe and now I have no choice but using fake documents to get a payment processor.

So if yes what country is it preferable to register from (using a VPN of course)? Canada, UK, Sweden, Germany...? I can get fake national identity, passport, utility bills, article of incorporation...(with no real existence)

If you suggest me to use Stripe with fake/stealth account I think I should use a fake website to get approved and not my real one, what is the process to hide the real website that payments are coming from?

If you suggest me to use Stripe with fake/stealth account how should I configure the payout? I should not use my official Payoneer account as it on my real name so I should create a fake Payoneer account right? With virtual address to receive the credit cards. Do you have any other suggestions?

Sorry for those lots of questions, but I need to know what should I do to get the website up and running as fast as possible, thank you.

 

[Spinat]

hello,

First of all I would like to know if Stripe is the only payment processor you can use for your business? is it mandatory or would another processor suite you?

Usually it's an easy task to get a payment processing account with darks and even fake documents, they don't run such heavy checks on them as EMI's do, unless we speak stripe and 2co which both are meant for the mass.

If you go for the more niche payment processors like Instabill or chronopay then you are good to go, you can most often ask these processors to pay out to any account. Otherwise get the payouts to an AdvCash account which you easely can get with real darks.

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[zahir]

blueweb said:
hello,

First of all I would like to know if Stripe is the only payment processor you can use for your business? is it mandatory or would another processor suite you?

Usually it's an easy task to get a payment processing account with darks and even fake documents, they don't run such heavy checks on them as EMI's do, unless we speak stripe and 2co which both are meant for the mass.

If you go for the more niche payment processors like Instabill or chronopay then you are good to go, you can most often ask these processors to pay out to any account. Otherwise get the payouts to an AdvCash account which you easely can get with real darks.
Click to expand...

First I want to thank you for your reply.

Of course not, Stripe is not the only payment processor I can use, I want to use fake documents to be able register to any payment processor from which country they support, Stripe is just an example and because I already used their API. I can use any payment processor and integrate any payment API on my projects If I can get an account with fake documents.

For example Stripe want SSN and EIN for US account, I can't provide that and they do check if the company exist or not. Adyen also require EIN number for LLC... Maybe I have to register from a different country.

So it possible to use fake documents (not real darks) without creating any LLC or something like that?

The goal is to create multiple payment processing accounts because they can shutdown the accounts for any stupid reason so I have to have a backup account to continue to accept credit cards on my websites.

 

[aage]

zahir said:
So it possible to use fake documents (not real darks) without creating any LLC or something like that?
Click to expand...

You always want to use company account for payment processing, it makes better and more reliable processing.

 

[zahir]

aage said:
You always want to use company account for payment processing, it makes better and more reliable processing.
Click to expand...

I know it is better and more reliable... I don't what to do that, I want to have multiple merchant accounts and multiple payment processing accounts using fake documents.

 

[Spondula]

What sort of business is it if I can ask? Are the payments all roughly‌ the same?

 

[Spinat]

It's an on / off solution you are entering if you setup something with a⁤ fake website. It's difficult to cheat the processors now a days. Darks is a different⁣ story.

 

[Spondula]

"white lies" will help for a period of time⁠ (but I'd set it up with several PSPs), but IMO that only works if the⁤ transactions are all more or less the same price. I definitely would not use it⁣ for a long term solution.

 

[zahir]

Yes exactly, their is no shipping and no‍ download it is just a digital product, all is done online in the plateform, the⁠ user subscribe for trial, month or year, there are 3 prices the user can choose⁤ from depending on the period, that's all.

Of course the fake website will have the⁣ same IP as the official.

 

[zahir]

I think if the perocessor banned the official website⁠ even with Darks you have to register with different website so the problem is the⁤ same.

 

[Spondula]

Ok.

What you could do since there are only 3 payments options⁣ is buy a 2nd website called almost identically the same to the original page (such⁢ as you own zahir.com and now you'll buy zahir.net, or .co.uk or whatever). The payment︀ page links through to zahir.net from the .com.

You explain to your PSP such as︁ stripe that what you're selling are ''training packages'' or whatever, and the different prices reflect︂ the different levels of service (so 1 are ebooks, the other includes video mentoring and︃ the other 1 on 1 mentoring, for example).

It's not fool proof and they can︄ shut you down if you receive too many charge backs but so long they're kept︅ to a minimum it works.

 

[zahir]

Thank you for your reply.

Their is no︂ problem with chargebacks because it will be about 1.5% and the maximum it can be︃ is 3% no more than that, of course they can shutdown the account because of︄ high chargebacks even with original website.

my thought is; if my official website (ex: zahir.com)︅ is banned for the first time, and I created a new account with the website︆ zahir.net, do you think they can really predict it has relationship with zahir.com because of︇ the same name? Or they don't verify until there is high chargebacks?

One other question︈ is: can I create the accounts with fake documents (Ids, article of incorporation, utility bills,︉ bank statements...) that have no real existance? I'm not thinking of creating US accounts, so︊ what country do you think I can register from?

Thanks for you help.

 

[Spondula]

Yes if you open︃ an account with stripe under .com, get banned and then open with .net....they won't entertain︄ that.

Rather what you do is you set up various PSP's. One gets shut down,︅ simply go to the next one...just have the accounts opened already so your downtime is︆ minutes rather than days.