Looking for Reasonable Payment Processor
 

I sell digital products and I am looking for a payment processor who charges reasonable transaction/processing/service fees . Not that BS 10-20% I've seen in a few places. Also, they must support Authorize.Net

98% of my buyers are U.S

I'm not interested in crypto payments at this time

10 years ago I had a high risk processor at around 3% transaction fee. Unfortunately, I was stupid and let some shithead buy $2,000 of merchandise, which he later chargedback at the same time causing me to lose my account and get MATCHed.

Since then I've been using PayPal for the last 10 years and they charge 3.49%. They are 100% aware of my type of business and have never given me any problems because I have maybe 1 or 2 chargebacks a year these days.

Do you know of any processors who can help?

What's your volume?

If it's mainstream just use stripe? I've been using them for years, low f ee.

How does stripe dealing with mutli-currencies? Biggest problem with paypal is not processing fee, but the fact how they dont allow you to withdraw money in currency which is different then your local currency.

I only bill in EUR but based on the settings it looks like you can set individual accounts for individual currencies and settle in those. You also seem to get a separate balance for each currency.

It averages about $3,000 per month

Funny thing is I've already tried Stripe and got banned because they considered my business to be Adult. PayPal on the other hand seems to have no problem processing for digital adult products.

If you are US based, we can help you out, no problem. If you are out side the US, we can also help if your current volume is over $25k per month. Please contact [email protected].

Thanks

Paypal is total shit.

MobiusPay.com

Could you elaborate?

When I had my merchant account banned 10yrs ago it was quite literally impossible to process cards in the US once you are on the national blacklist, let alone a high risk merchant account. PayPal was the only service that came through for me and allowed my business to survive for the last 10 years. I can't really agree with you.