Get real private payment processing as an eCom merchant with ecom payouts.
Wyoming
Joined April 2025
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If you're doing over 50k a month and still with the processor you started with, you're taking on an incredible amount of unnecessary risk.
- you will get payouts frozen
- already share risk with competitors in your niche
- support is just ai or automated emails
- can’t migrate MRR list (or its a complete pain in the ass)
We make it easy. Book a call below.
cal.com/ecompayouts/15min
Still amazes me people pick Stripe when stories like this keep happening
There's an obvious reason why they keep happening
Stripe lets anyone start selling in minutes, before a human ever looks at the business
Algorithms watch your account once you're already selling
A few stolen cards hit your store and it can flag you as the risk
Then it closes your account
And Stripe can hold your money for 120 days after that
With a MID it's the other way round
A real person checks your business before your first sale
They know what you sell and how much before you start
So when stolen cards hit, you call that person
We can get you set up in 2-3 days, lmk
I got unbanned. Thank you @stripe
But PLEASE PLEASE PLEASE fix your banning system
The only reason I got unbanned is because I made a public post. Many people who do not have the privilege of reaching you via the public are suffering still
I know a dozen people who went through the same procedure of getitng banned for no reason and had no chance of getting unbanned with thousands of dollars being held hostage by your systems
Your banning procedure needs MAJOR REFORM. No permanent ban should automated
Mercury just built the fastest way to lose 24% of every payout
You can open the account before your EIN comes through
Your processor doesn't work that way
The IRS makes every card processor report what you sell on a 1099-K
And if your tax ID is missing or doesn't match
It has to hold back 24% of every payout and send it to the IRS
So get your EIN before you take your first card payment
And make sure the name on it matches your LLC to the letter
Your payment fees are never only 3%
Maybe if your average order is $300
Stripe is 2.9% plus 30 cents an order
On a $40 order that 30 cents is another 0.75%
So you're paying 3.65%
Customer with a card from another country, add 1.5%
Paying in a different currency, add 1%
Every chargeback, add $15
Budget 3% on a $40 store and your P&L is alr messed up before you've even sold anything
But, on your own MID the rate is negotiated into your contract
Anyone can get your course taken down by claiming they own it
They just tell the platform your videos are theirs
The platform takes them down right away
US law protects the platform when it does that
To get them back you sign a legal form saying they're yours
Then you wait 10 to 14 business days
Happens before Black Friday?
You miss all of it
And if your payments run through that same platform, they go down with your videos
With your own MID your payments are separate
The claim never touches them
Move the course somewhere else and keep selling
We can get you set up in 2-3 days, lmk
@whop suspended my account after I processed multi six figures through them.
The reason: “sharing content that belonged to someone else”
Every course video was recorded by me. UniOps was my own idea from day one.
I’ve reached out to every Whop employee I know, and was left on “read” or “delivered” every time.
You used to answer merchants 1on1 over iMessage. Now nobody answers, even when someone’s business gets shut off overnight.
Going corporate is fine. Forgetting the merchants who built you isn’t.
All I’m asking is for a real person to review this.
Stripe is choosing to ignore complaints like this from merchants
Because all they need is a simple change to their policy
Right now a ban freezes the whole balance for 120 days
That covers every refund and dispute that could still come in
Then on day 120 Stripe pays out the rest, minus "an appropriate proportion" it keeps for later disputes
So Stripe already knows how to size a hold to the risk
It just does it four months late
With a merchant account that math is done upfront
A reserve of a set % for a set number of days, written into the contract
Do that at the ban and "unacceptable level of risk" finally comes up with a number
And a MID is in your own name
So you know that number before your first sale
So Stripe can PERMANENTLY BAN you without giving a concrete reason or warning. In ONE E-MAIL.
This just happened to me.
I have:
-0 refunds
-0 open disputes
-hundreds of succesful payments
-app is freemium, went about breakeven projected to 5k MRR, wanted to switch it up because Apple has been devious to us app devs recently.
BOOM.
E-mail at 2AM: "Your account has been locked."
The reason they stated is "high risk".
From what I understand it means activity like random people trying to buy my products with bad creditcards or trying to commit fraud and thus resulting in failed payments. But this is just me guessing. I'm not sure since their policy is very vague and looks AI written.
The reason has nothing to do with my app.
The app is freemium, sends free trial reminders before my users get charged and has a happy user base even though I don't earn much profit with it.
THEY DO NOT GIVE YOU A WARNING. THEY DO NOT TELL YOU WHAT RULE YOU VIOLATED. THEY DO NOT TELL YOU WHAT TO FIX. THEY HOLD YOUR REVENUE HOSTAGE.
I just went viral on TikTok too... Wasted huge amounts of money on marketing budget for nothing. I just cancelled all my active free trials because I don't want to charge my customers money if they cannot manage their subscription.
Why am I getting punished for something totally out of my control? I enabled Radar, wanted to do 3DS, I added so many risk-reducing measurements but still some people will simply try fraudelent creditcards. What more can I do?
I've seen so many other people on X experience the same.
Please give us an answer, indie app builders are suffering from a broken system.
@stripe @stripesupport @patrickc
Swipe Ryze's ads all you want, Ryze got sued over its checkout
A class action in California says Ryze hid the subscription terms
And made it hard to cancel
Last year Ryze also dropped its health claims after an ad watchdog looked at them
Copy those claims onto a new store and Shopify Payments can shut you off
Its rules ban health claims that aren't approved
Copy the subscription and every surprised customer is a chargeback
Visa's limit is 1.5% on your total orders
Need brands to swipe from that aren't Ryze and Resilia? (Although they have fire ads).
Here are 10 brands that I’ve been swiping from this past month.
Scandi Gum (I’ve been seeing Scandi coming out with really cool angles and formats, they’re well worth looking at if you haven't already)
HiStrips (They’re running highly relatable ads with some pretty cool visual hooks)
Smooche (Loads of UGC content with cool visual hooks and contrarian angles)
Rennora Beauty (Great song ads)
Alpha Brew (They’re running tons of statics and native ads, plus its worth looking at their positioning too.)
Nobl (Overall great copywriting skills, great mechanism framing and persuasion)
KittySpout (If you need to swipe from a brand that persuades people to buy using the most gut wrenching sad copy+visuals then go to this brand, I literally cried watching their ads lol)
Shop Cubes/Kinky Cubes (How do I explain this brand… welp, 18+ static visuals)
Sofyre (Good authority ads)
Reformed (If you’re writing for a female audience, they’re ads are definitely worth swiping.)
The world's richest man wants customers to send his AI a photo of their credit card
So every wrong thing Grok buys is a chargeback on YOUR account
Your customer's bank never asks Grok what happened
It asks you
"I didn't order this" is a fraud chargeback
And you lose it unless the bank checked the card at checkout
Visa counts every one of those against you, won or lost
The fee too
And Grok doesn't get a chargeback ratio
F*ck YES... Elon Musk's team just made Amazon useless
Amazon blocked Grok Bot this month, so they shipped shopping on Wednesday: Grok Bot now buys from every other store for you
It finds the item, compares prices, pays with Shop Pay and tracks the box to your door
First thing I gave it: a new TV, $400 less than Amazon
6 things I'm never shopping for by hand again, and the exact line I say:
→ Amazon: "Find this exact item at another store for less"
→ Nike: "Running shoes in size 10 under $80, top rated only, show me 3"
→ Best Buy: "Watch these headphones and message me the moment they drop 20%"
→ Costco: "Reorder my coffee every 30 days wherever it's cheapest, ask me first"
→ Etsy: "3 gifts for my mom under $50, delivered by Friday"
→ UPS: "Track every order and tell me the day one runs late"
Add one rule first: never buy anything without asking me
Say the Amazon line to Grok Bot tonight
Then read how to turn one bot like this into a whole team in the article below ↓
Private equity wants to buy $3.7 trillion of card payments with borrowed money
The company is Global Payments
Most people have never heard of it
It handles card payments for over 6 million stores
Two private equity firms want to buy it for $40 billion
It already owes $17 billion
Deals like this are mostly paid for with more borrowed money
And that debt gets paid back from the fee stores pay on every card sale
Which is already baked into the price of everything you buy
One of the two firms sold Global Payments its biggest business in January
Now it wants to buy the buyer
Shopify's 89% approval rate has almost nothing to do with Shopify
We approve 95% at the processor level
What moves your approval rate is the checkout the card goes through
And who your ads are sending to it
Target the wrong crowd and you get "do not honor"
That's the bank declining without telling you why
Or it's a scammer running a stolen card, and every processor should decline that
And even then Shopify Payments still lists any form of nutra with health claims as prohibited
So that approval rate won't matter if you never get your payout
INSANE approval rates by @Shopify. This is why NUTRA sellers (MCC 5499) try whatever it takes to stay on or return to Shopify Payments - you don't see 90% approval rates anywhere else... 🤯
Threatening SeatGeek with the FTC is useless
The FTC doesn't settle one person's complaint
It just files it to build cases later
Your card company settles it
Visa allows for 120 days to dispute, counted from the event date
And up to 540 days after you bought them
On a credit card you don't have to pay that charge while the bank looks into it
SeatGeek gets 30 days to prove the tickets worked
And the dispute counts against SeatGeek even if they win
Hey @SeatGeek your company and ticket and buyer guarantee are trash. Got tickets for my daughter and her friend through you. FOR HER BIRTHDAY. They get to the venue and the tickets FROM YOUR SYSTEM are denied. Customer service tells me it'll take 5 days to resolve. They have no other options, cannot get them in, and I have to buy MORE tickets to get them in. With NO promise of a refund. I guess I'll find out in a few days. They have worse seats now. This is beyond shitty. Can't wait to drag you to the FTC, BBB, small claims, here, and anywhere else I can think of.
Copy Resilia and you'll be on the MATCH list before you're at $30M
Resilia's reviews keep saying the same thing
They bought once and got put on a subscription they didn't know about
A copy gets those same customers
On a brand new merchant account
Stripe calls a dispute rate over 0.75% excessive
Visa's line is 1.5%, and it counts every dispute and fraud report, won or lost
A new store with a hidden subscription can blow past both on its first rebill cycle
My Ecom children,
Resilia doing 30 million a month should not want to make you do another version of their shit brand.
Instead take the proven market and go deep on some product that is actually good and much harder to replicate.
High quality, hard to make, truly effective etc
Then use strong marketing to win over people from the shitty brands.
Go slower and build trust.
You don’t want 40m now from lying to people.
You want 20m later from something you are proud of.
This is the way.
Meta is coming for every card on your ad account, Slash was just first
Meta stopped taking part of Slash's credit card BINs this week
A BIN is the first digits of a card, it tells Meta who issued it
Slash says 95% of the accounts hit are already back up on a debit card or ACH
And that this is a Meta change rolling out to other card providers next
In April Meta started moving big advertisers off cards and onto invoices
Pay by invoice and there's nothing to charge back
Slash got hit first because around 2% of all Meta ad spend runs on its cards
Every card that big has bad actors on it, Amex and Chase included
But nobody calls them a fraud magnet
Warning to every Slash user!
Slash either has the worst compliance team across all Neobanks out there, or half their business model comes from catering to bad actors.
Now it's catching up to them.
Meta just banned all Slash Credit Bins and deactivated ad dashboards associated with Slash. If not resolved, it could result in $1B in annual transaction volume loss. Slash CEO claims they cover 2% of total Meta ad spend.
Reasons are unclear why they’re banned, but rumors suggest a fraud scheme using Slash cards to run chargebacks on Meta, making them lose significant dollars.
Earlier this year, I uncovered a No-KYC card linked to Slash, and today I've found some really concerning messages from Slash employees enticing gray hat/black hats to join their platform with strong promises.
In just 1 group, an employee sent 60 replies telling rejected applicants to DM with a few other worrying messages. They've even promised to "never freeze / lock your account especially if you’re in the e-commerce business"
I've attached some proof, but I'm going to do a lot more research into this.
Anyone here affected by Slash or willing to provide me with tips regarding the situation? Maybe I'm being too harsh on them, but there's a lot to worry about.
Wise was never a bank
It's a money transmitter
So the cash sitting in a normal Wise balance isn't FDIC insured
And its terms let it close any account at its own discretion
No reason needed
If it reported the account to the government, it's not even allowed to give one
Telling him would break the law
So that formal complaint won't get him an answer
8 figure brands keep the operating cash at a real bank
And use Wise to move it
Wise shut down my company's business account on October 29 with zero explanation, and they're sitting on our operating cash with no timeline to give it back.
Four weeks before Black Friday.
I've been a Wise customer for over 2 years without a single issue. We run an 8-figure ecommerce brand, and that money pays our team and our suppliers.
Formal complaint filed (ref 52421395). We've done everything they asked. We need our money back this week.
@Wise @kaarmann, put a real person on this. Call me, email me, DM me.
If you know someone at Wise who can get this in front of the right team, DM me. Reposts help 🙏
NEVER answer a chargeback with a paragraph about how the customer is lying
The bank's analyst doesn't care who's lying
They check what the reason code asks for
For "not received" that's tracking showing delivered to the address on the order
For a digital product it's the IP, device and login times
Send that and stop
"Shopify keeps getting better"
The store builder does
But the processing still remains one of the worst
Every store on Shopify Payments is a sub account on Shopify's own merchant account
So once you scale, an algorithm decides how much of your money to hold
The standard reserve is 10% of every sale for 120 days
Launching got cheaper except for actually getting your money
On your own MID the reserve terms are in your agreement before your first sale
We can a MID set up in 2-3 days, lmk
"Ecom is dead" is the worst take on X right now
We're in the middle of a golden age. People will look back at 2024-2026 the same way marketers look back at Facebook ads in 2014
1. Shopify keeps getting better. The infrastructure for launching and scaling a brand has never been cheaper or more accessible.
2. AI is collapsing content costs. Brands that used to spend $20k/month on creative are doing it for a fraction. That margin goes straight to growth.
3. Email and SMS are printing. Open rates are up. Klaviyo keeps releasing features that used to require custom dev work. The channel is stronger than it's ever been.
4. Consumers are still spending. US ecom hit $1.1 trillion in 2023. That number is going up, not down.
5. The noise is thinning out. Lazy dropshippers are gone. What's left are real operators building real brands.
The people calling it dead are the ones who couldn't make it work
The ones building now will have accomplished crazy things a few years from now
Grok is about to kill a lot of BH rebill brands
Its bot can now start a free trial and cancel it before the first charge
And a lot of subscription brands in ecom right nowadays do blackhat rebilling
"Free, just pay shipping"
Then a monthly charge in the small print
And no cancel button
The whole model runs on people not noticing
Grok notices for them
Visa tried to stop this in 2020
You have to email a reminder at least 7 days before the first charge, with a link to cancel
The blackhat ecom brands skip it
So the people who do notice go to their bank
Every one of those is a chargeback
Now the AI cancels before there's a charge to dispute
The latest Grok Bot release (v0.78.1) takes another big step toward genuinely autonomous AI agents!
The standout new @bot features:
• AI shopping: Products now appear in rich cards with photos, ratings, prices, and store comparisons. Bots can initiate purchases with your approval.
• Order tracking: Bots monitor your purchases and notify you when orders ship or arrive.
• Subscription management: Bots can find unused subscriptions, cancel the ones you select, and monitor renewal prices.
• Free trial automation: A new template starts free trials and cancels them, or reminds you to cancel, before you're charged.
• Shop Pay integration: Connect your payment method for streamlined AI-assisted purchases.
• Custom cloud agents: Bots can launch cloud agents in named custom modes and continue interacting with them.
AI agents are moving beyond answering questions to actually managing everyday tasks for you.
NEVER open a second Shopify store to get away from a hold
The new store's Shopify Payments signup asks for the same things
Your name, your SSN, your EIN, your bank account
Shopify links it to you
Now you're the merchant who tried to dodge
That's how a hold turns into both stores closed
This also applies to bans or reserves
Shopify Plus is the biggest scam out there
All that plus does is upgrades the store
The payments still run on Shopify Payments
And every merchant on it, Basic or Plus, is a sub account under Shopify's own merchant account
So the same ai algorithm sets the same 10% for 120 days
Support can't lift it, human or AI
All they can do is forward the ticket
And 120 days is a long ass time
Black Friday's 10% comes back March 27
Christmas comes back April 24
But on your own MID the reserve terms are in your agreement before your first sale
We can get you set up in 2-3 days, lmk
Update on the shopify hold.
still 10% of our payouts held for 120 days, that money only comes back on feb 19 2027. so after black friday and after christmas.
5 days later and we still only get automated AI answers. we pay for shopify plus, so i think we should have a dedicated account manager, one real person who knows our store.
@tobi @Shopify
To Visa a won chargeback is the same as one you lost
Their fraud and dispute program counts every dispute filed on your sales
Win or lose
And a refund takes 5-10 business days to show up on the customer's card
Until then their bank app still shows the charge
The fix is one simple number
Every card refund has an ARN, basically a tracking number for the refund
Stripe shows it on the payment
Put it in your refund email
Their bank can trace the money with it before anyone files anything
Looks like there’s a scam going around that misuses the @stripe & @Revolut dispute system.
A customer bought my product for $29, then sent an automated refund request on 22 Oct. I refunded them right away.
Today (28 Oct) I got an email: “REVOLUT LTD has initiated a $29 USD dispute.”
I thought it was a new dispute, so I accepted it. Stripe took $29 + $15 dispute fee from my balance.
Then I realized I had already refunded this customer. So why did their bank open a dispute?
End result: the customer paid $29 and got back $27.42 (partial refund they asked for) + $29 = $56.42.
I have no idea why the bank allows a dispute on a payment that was already refunded.
@stripe @Revolut
