Compaytence · Social listening Internal · 14 September 2026 · 5:06 pm

Merchants who needed us
14 September 2026 · 5:06 pm

174 new posts read in the past week. 11 worth a reply, each shown as they posted it, with your reply underneath ready to copy. Nothing has been sent.

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14 September 2026 · 5:06 pm
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Trevor, internal
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The day in numbers

11
Worth a replyDrafted and waiting on you
174
New posts read92 Reddit, 80 X, 2 Shopify Community
88
Set aside88 seen before, 0 too old
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02

Worth a reply

Each card is the post as they wrote it, in the look of where they wrote it. Read it, copy the reply if it still fits, open the post and paste.

Payment Processor Set-Up 6/6 hot · High risk

Peptide seller in France doing about 10,000 euros a month on a personal PayPal and Revolut, both now asking for proof, Wise already restricted, waiting on an EIN for a US LLC and asking for a payment link he can send customers.

r/PaymentProcessing•Sep 14 u/Fun_Layer_2313

Headache peptide payement

Hi everyone, I know this question has probably been asked several times already, but I still haven’t been able to find a clear answer for my specific situation. I started a peptide business in France about three months ago, and I’m currently processing around €10,000 per month in sales. Until now, I’ve been accepting payments through my personal PayPal and Revolut accounts. I know this isn’t a sustainable setup, and Revolut has already started asking me for additional information and proof regarding some transactions. I also opened a Wise account, but that account has already been restricted as well. Because of this, I decided to set up a US LLC and open a proper Wise Business account. The issue is that I haven’t received the official EIN confirmation letter yet, so I’m currently unable to complete the business account verification. What I’m looking for in the meantime is very simple: A payment platform that allows me to generate a payment link and send it directly to the customer. They click the link, pay by card, and that’s it. I don’t need a full e-commerce solution, website integration, checkout system, or anything complicated. Ideally, I’m looking for something with minimal friction for the customer and reasonable transaction fees. If anyone here operates in a similar or high-risk industry and has found a reliable solution, I’d really appreciate your recommendations. Thanks in advance for your help!

Vote Comments Share
TReply as yourself

Peptides at 10k a month running through a personal PayPal and Revolut is exactly why those accounts keep asking you for proof, they're consumer rails and the category gets declined on policy, not on anything you did. Another payment link from another aggregator will do the same thing a few weeks in. What actually holds is a direct merchant account through an acquiring bank that underwrites the category up front, and the US LLC and EIN you're waiting on is the first half of that anyway. I do this at Compaytence, this is how the setup works: https://compaytence-psp-setup.pages.dev

Best lead of the day. Posted this afternoon, six of six signals, and he is asking the exact question the processor setup doc answers.

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Payment Processor Set-Up 4/6 hot · Account terminated

Merchant who had every one of his businesses banned by a processor over one flagged account, still has not been paid out months later, and is telling people to register a US LLC and start over.

S
Soumil@soumilbiz · Sep 13

stripe is okay but since it’s a massive company they have the shittiest support + getting custom fees at higher volume processing much harder than @whop

I’ve had issues with whop too but legit the best support and overall experience for payment processing

@dodopayments is the SHITTIEST company ever never use an Indian company for payment processing

insane fees, insane fees on payouts, no daily payouts.

authorisation rates are so low. they show successful payments as failed and deny the went through. I showed bank proof and then finally they said oh yes we got the money and refunded the guy.

I’ve not received my payout still been months I just gave up cause these dumbasses need it so desperately

they banned all my businesses because one was non compliant apparently (which is BS because a billion dollar company doing the same thing uses @stripe for processing without any errors)

even if it’s the case, they banned other fully compliant businesses. the refunds never reached the customers wallet.

use @Razorpay if you sell in India, if not register an LLC in Wyoming and get Stripe/Whop/Commas

Dodo seems so good before you use them, all they did to me is steal my money which the founder probably used to buy samosas and gain more weight

1 0 3 247
CPost your reply 271/280

Getting the compliant businesses banned alongside the flagged one is what happens when nobody underwrote you up front, the risk review lands after you already have volume. A direct merchant account does that review first. I do this at Compaytence: https://compaytence-psp-setup.pages.dev

271 characters. His post names processors and calls one of them names, the draft does neither. The wound is months old, which is the one signal it misses.

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U.S. Entity Setup 3/6 hot · U.S. entity

Founder outside the US listing every processor that will not take him and asking what he can use, stuck in a catch 22 where he needs payments to immigrate and needs to immigrate to get payments.

C
Ian Crypp@cryppinfluence · Sep 13

Imagine you're NOT able to connect to your website:

> Stripe
> Polar
> LemonSqueezy
> Paddle
> Dodo Payments
> Easytool
> Etc.

I don't even need to imagine

So I need to get payments to immigrate and at the same time I need to immigrate to get payments

What solutions can I use?

7 0 18 1.2K
CPost your reply 276/280

That catch 22 is real but it's an entity problem more than an immigration one. US processors want a US entity, an EIN and a US bank account, and all three can be done remotely without you moving anywhere. I do this at Compaytence, this is the write up: https://compaytence-us-entity-setup.pages.dev

276 characters with the link counted as 23. The thread already has replies, so his is not the only answer this person will see.

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Reserve Recovery hot · Hold or reserve

Stripe flagged the account as higher risk and paused payouts even after they sent every document that was asked for.

P
Pratham@Prathkum · Sep 14

Really disappointed with @stripe @stripesupport

They just closed my account because I am getting a good amount of money.

Yesterday, Stripe flagged my account as higher level of risk and paused payouts after submitting all the necessary documents including EIN letter, customer invoices, and a Mercury statement.

We requested a review and submitted all the details along with supporting documents.

On Friday, they denied the review for the same reason and closed my account.

I have also reached out to their support team, but so far I’m only getting automated replies and haven’t been able to connect with anyone directly.

Please help!

cc: @patrickc

25 3 38 8.7K
CPost your reply 267/280

Submitting every document they asked for and still having payouts paused usually means the review is still open, not that it failed. What moves it is getting the actual reason and a payout date out of them in writing. I do this at Compaytence: https://compaytence-reserve-recovery.pages.dev

Three hours old, the freshest lead of the day. Sized to X's 280 character limit, so it is shorter than the Reddit drafts. Check the thread for the full story before sending.

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Payment Processor Set-Up hot · MIDs

Dropshipper asking how to prep payments before scaling for Q4; the thread already expects a rolling reserve if volume jumps.

r/dropshipping•Sep 14 u/Holiday_Main_7263

Q4 payment-processing prep what are you doing before scaling?

Q4 is coming up, and one thing I think many dropshippers underestimate is payment-processing preparation.

When order volume increases quickly, payment providers may ask for additional business, identity, shipping, supplier, or chargeback related documentation. Depending on the situation, funds can also be delayed or placed in reserve while an account is reviewed.

I’m not saying this happens to every store, and I’m not trying to create panic. But it’s worth preparing before scaling:

Keep invoices and supplier information organized.

Make sure your business and contact details are consistent across your store and payment accounts.

Review your refund, shipping, and chargeback processes.

Keep enough operating cash available in case payouts are delayed.

Don’t rely on a single payment method.

Understand the policies of your payment provider before launching aggressive Q4 campaigns.

I’ve been helping a small group of people prepare for Q4, mainly around payment-processing documentation, operational organization, and reducing avoidable verification issues. I also join a discord group where we discuss these topics.

What payment-processing issue has caused you the most trouble during a previous Q4?

Vote Comments Share
TReply as yourself

The jump itself is what trips the review. Going from a few hundred a day to a few thousand inside a week looks identical to a bust-out from the processor's side. The prep that actually works is getting a second processor in place before Q4, ideally a direct merchant account that underwrote you on the volume you're planning, so a review on one MID doesn't stop the whole store. And tell them about the ramp ahead of time, they tend to hold less when they saw it coming. I do this at Compaytence, this is how we set it up: https://compaytence-psp-setup.pages.dev

A question, not a complaint, but it is exactly the conversation. r/dropshipping tolerates disclosed replies.

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Reserve Recovery hot · Hold or reserve

New Shopify Payments account, payouts held since Sept 7, support admits there is no reason beyond waiting it out.

r/ShopifyeCommerce•Sep 14 u/goldeagle55577

Payout hold moving goalposts on new account (held since Sept 7). Spoken to 4 advisors, what's next?

All week, my funds have been sitting on "Pending" with no payout date assigned. I have now spoken to 3 to 4 different support advisors, and the story changes every single time:

On September 11th (Friday), the system and frontline support advisors assured me the funds would update and release "soon" (implying over the weekend or by Monday). Nothing changed.

Today (Monday, Sept 14th), the next advisor told me it was a strict 7-day hold, which would mean it clears this Wednesday, Sept 16th.

Minutes later, I was transferred to a "Specialist" who completely shifted the goalposts again. He claimed that because I added my bank details, the system triggered a 3-5 day "compounding bank change freeze," pushing my payout all the way to September 21st!

Let me be explicitly clear: Adding bank details for the first time on a new store is NOT a bank change. I simply completed my initial setup. There is no valid administrative reason to hit my account with a penalty freeze for a change that never happened.

When I pointed out this factual error on their backend logic and professionally requested a manager escalation, the advisor flatly refused to route the ticket to a supervisor, locked down his script, and tried to blame my platform-approved bank choice to deflect from the issue. I ended up having to close the chat out of pure exhaustion.

This is completely halting my business logistics. I am expected to fulfill and ship customer orders upfront, but Shopify is withholding the cash flow needed to cover shipping and inventory costs. On top of that, I have upcoming sales lined up, but I completely lack the confidence to direct new customers to pay through Shopify if my funds are going to be locked up indefinitely and postphoning deadlines.

Has anyone else dealt with support making up fake compounding holds on new accounts? Is there a Shopify Community Moderator on this subreddit who can please look into this case number, override this automated error, and get a human in underwriting to review my file? I am losing total confidence and faith in this platform.

Just found some infomation that may help anyone else facing the same issues:

https://community.shopify.com/t/payouts-are-on-hold-indefinitely-and-spf-wont-tell-us-why/648099

https://community.shopify.com/t/my-payouts-have-been-on-hold-for-2-weeks/332641/13

https://community.shopify.com/t/how-to-properly-file-a-complaint-against-shopify/307590/59

Vote Comments Share
TReply as yourself

Yeah the goalposts moving is the tell. When support says there's no reason other than waiting it out it usually means the hold is coming from the risk side, not from anyone you can reach on a ticket. What gets a new account hold moved is putting the case to the right team in writing with your actual numbers, order count, fulfillment times, refund rate, disputes, so they have a reason to close the review early instead of letting the clock run. I do this at Compaytence, we work these directly with the processor. Here's how the process works if it helps: https://compaytence-reserve-recovery.pages.dev

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U.S. Entity Setup hot · U.S. entity

Philippines seller asking whether a US LLC is a workable way to accept payments for physical products.

r/BusinessPH•Sep 12 u/Amazing_Rain9285

Anyone here using a US LLC to accept payments for physical products?

T We’re based in the Philippines and have a physical product we want to sell in the US. The plan is to ship inventory to a US 3PL so orders are fulfilled there. We can do Amazon FBA, but we also want to sell through our own website and accept credit/debit cards from US customers.

We want all US sales going through a US LLC. Philippine payment processors are off the table. We don’t mind paying income tax, but we don’t want to route every US sale through the Philippines when the stock and customers are in the US.

Has anyone here actually set this up while living in the Philippines? What payment processor and bank did you use, and what did you need to get approved? Mainly looking for people who’ve done it with physical goods.

Thank you

Vote Comments Share
TReply as yourself

Yeah it's a normal setup. The US LLC is what gets you into Stripe, Shopify Payments and a US bank account when you're selling physical products from the Philippines, but the LLC on its own doesn't do it. You need the EIN, a US bank account the processor will pay out to, and a registered agent address, and the processors check that all of it matches. All of it can be done remotely. I do this at Compaytence, we put the entity, the banking and the payment setup together for non-US merchants. Here's a one-pager on how it works: https://compaytence-us-entity-setup.pages.dev

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Payment Processor Set-Up hot · Choosing a processor

Wants a payment gateway for a US Shopify store that is not Stripe.

r/PaymentProcessing•Sep 11 u/Pleasant-Music5054

Best Payment Gateway for Shopify in US except Stripe

Stripe is official payment gateway of Shopify but lately they can pause the payouts without any proper explanation. Could you please recommend alternative best payment gateway for my e-commerce business on Shopify?

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TReply as yourself

Depends what you're solving for. If it's just not wanting Shopify Payments, most of the alternatives you'll get recommended here are still aggregators, so you swap one instant approval and later risk review for another. If you want the account to actually hold up, the answer is a direct merchant account through an acquiring bank on a gateway Shopify supports, NMI or Authorize.net are the common ones, and then the gateway is just plumbing. I do this at Compaytence, we set merchants up with direct processors and handle the underwriting. Here's what that looks like: https://compaytence-psp-setup.pages.dev

r/PaymentProcessing is full of vendors; a disclosed reply is normal there.

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Payment Processor Set-Up hot · Account terminated

Stripe closed the account for unacceptable risk with zero disputes, and the appeal was denied within minutes.

r/stripe•Sep 11 u/Swimming_Campaign908

Stripe closed my account for "unacceptable risk" with zero disputes/chargebacks — appeal was denied within minutes of submitting

[removed]

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TReply as yourself

An appeal denied within minutes almost certainly wasn't read by a person, that's the same model that closed the account answering again. With zero disputes it usually means the business category or something on the site tripped a policy line, not your processing history. The real fix isn't a better appeal, it's a direct merchant account where an actual underwriter looks at the business up front, so you're not one automated review away from losing it again. I do this at Compaytence, we prep the underwriting and place merchants with direct processors. How it works: https://compaytence-psp-setup.pages.dev

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Reserve Recovery 2/6 warm · Hold or reserve

Asking whether others have had Razorpay or Stripe payouts held recently; Razorpay is India, Stripe is ours.

r/smallbusiness•Sep 13 u/sixeyedhere

Has anyone else had their Razorpay or Stripe payouts held recently over DPDP compliance?

Hey guys,

Wanted to see if anyone else is facing this or if it's just a few isolated cases. Over the last couple of weeks, I've noticed a sharp increase in Indian D2C and Shopify brands getting their payment gateway payouts temporarily frozen or placed on verification holds.

Apparently, the gateways are auditing checkouts to see if they comply with the new DPDP Act regulations (specifically around how customer data is captured and stored via pixels/forms).

Given that the statutory penalties are absurdly high, it looks like the compliance checks are getting automated by the gatekeepers. How are early-stage brands here tackling this without spending a fortune on corporate tech lawyers?

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TReply as yourself

If it's Stripe, a hold like that usually comes from a risk review that a change in your pattern set off, a volume jump, a new product, a run of refunds, and the notice they send doesn't say which. The first thing to do is get the actual reason and the review date out of them in writing, because the answer changes what you can do about it. Razorpay is outside what I work on, but for the Stripe side I do this at Compaytence, we build the case and work it directly with the processor. Here's how it works: https://compaytence-reserve-recovery.pages.dev

Full text changes this: it is about Indian D2C brands getting Razorpay and Stripe India payouts frozen over DPDP data-protection compliance audits, not a US risk review. The draft's framing does not fit; skip unless you want to answer the compliance angle.

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Reserve Recovery warm · Hold or reserve

Stripe has held $4,115 showing as Available for nearly two months with no substantive reply.

r/stripe•Sep 11 u/Mindless-Ad5205

Title: Stripe has withheld $4,115.50 shown as “Available” for nearly two years—has anyone resolved a similar case?

[removed]

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TReply as yourself

Two months with the money showing as available and no real answer is the pattern where the account got flagged for closure and the funds got parked pending a review nobody is actively running. Stripe can stop supporting an account, you're right about that, but you can still ask for a payout date and the reason in writing, and putting that request through the right channel is usually what moves it. I do this at Compaytence, we work these cases directly with the processor. Here's how the process goes: https://compaytence-reserve-recovery.pages.dev

Four days old, past the usual window. Worth it if the thread is still active.

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