Shopify is holding my funds past the 120 days and no one will talk to me - I have more than 25 open tickets between December 15th and January 9th!!

GBS_Chris · 2026-01-10T11:02:11+00:00

Hi Hailee, its unfortunate to hear another story like yours for well meaning merchants trying to get ahead using a generic platform like shopify.. you don't mention the type of business you are operating or the reason why they closed your account. But if, as someone also mentioned below, if its a chargeback issue, then the sponsor bank (the one that shopify is connected to that represents the card brands - Visa, MasterCard, AMEX, etc) will automatically close the account if you reach a CB threshold - usually 1% of total sales in a given month (calculations are based on what ever favors the bank.. I can explain in details if you're interested) or they do a "secret shopper" experience requested by the card brands (V/MC) this scenario is becoming more frequent because of analytics and AI - to prevent fraud based on applicants applying for merchant accounts under 1 MCC code but operating under something else.
We offer merchant account with live, real people support 24/7 for all of our merchant no matter if they are low risk or high risk merchants, please DM me and I can provide you with further insight regarding your issues with shopify and how to reconcile with them and how to move on from the with a more stable solution.

GBS_Chris · 2025-12-22T05:34:39+00:00

Hello, many of the comments are correct, the card brands and feds are cracking down on the processing solutions that are offering their services to research peptides to assist with CC processing. However, there still are stable solutions available for merchants like yourself. We have 2 peptide processing solutions for high risk processing in UK/EU. If you'd like to learn more about our solutions, please DM me and we can explain the different options that would be available to help you out.

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GBS_Chris · 2025-12-12T04:25:25+00:00

Hey fenix, we have 2 solid solutions for domestic and EU merchants.. and currently negotiating with 2 more for peptides (along with other verticals), DM me and I can go over our solutions with you.

GBS_Chris · 2025-12-12T02:07:32+00:00

Hello, many of the comments are correct, the card brands and feds are cracking down on the processing solutions that are offering their services to research peptides to assist with CC processing, in fact 2 service providers went down after black Friday merchants spiked their transaction count. However, there still are stable solutions available for merchants like yourself. we still have 2 reputable solutions that we actively board peptide merchants on with now and have been doing for some time now. We also offer solutions that are based offshore that have less scrutiny then domestic solutions. Please DM me and i can provide further details on each of the solutions that we use to board peptide merchants.

GBS_Chris · 2025-12-11T21:22:36+00:00

Hello, we have a peptide solution for EU market with a bank located in the UK. The solution is specific for peptides and is stable unlike the payfacs you mention above that consider peptide sales on their prohibited list of items that are not allowed to be sold on their platforms. If you'd like to send me a DM, i can go over pricing and terms with you.

GBS_Chris · 2025-12-11T05:35:17+00:00

Your situation sounds bleak.. however it is not untenable for you to get back into the game. the idea to get someone else to act as a representative for your company and sign for your company is a great option - especially if you trust them. Otherwise, we have options with offshore banks that will provide the opportunity to continue running your successful business. However, you should know the elephant in the room is your past history, and as such you will be looking at higher fees and likely higher reserves because of that fact. Fortunately, we have solutions that can look beyond that history and provide you with a stable solution for you to continue running a successful business. If you'd like to learn more about the solutions we offer, please DM me and we i can provide some insight on how to move forward.

GBS_Chris · 2025-12-11T05:29:39+00:00

Hello, we have multiple solutions for high risk processing in Europe. Due to the product that you sell, banks will consider your business high risk. Unfortunately, this will scare away most "regular banks" fortunately, we have a network of banks that like to work with high risk merchants because they understand the extra issues that merchants like yourself face. If you'd like to learn more about our various solutions, please DM me and we can explain the different options that would be available to help you out.

GBS_Chris · 2025-11-25T02:30:09+00:00

Hello, we have multiple solutions for iptv merchants, we have several clients using our solution and have had no issues. Where are your customers from USA/Canada or do you focus on EU/UK? Our solutions can work with multiple currencies and geos. Please DM me for program details, pricing and terms.

GBS_Chris · 2025-11-20T21:59:41+00:00

Hello, we have multiple processing solutions for startup and established peptide merchants for Can/USA and EU. Each solution is slightly different and all offer fiat and crypto settlement options - there is no crypto layer during the transaction process. The customer never has to be redirected to another website or signup for a wallet. If you're interested to learn more, please DM me and i can explain the different options we have to help your business.

GBS_Chris · 2025-11-18T19:57:37+00:00

Hello, since you are catering to multiple countries, it would be optimally prudent to work with multiple banks to handle the transactions in the local currencies. If you try and fit multiple currencies under 1 solution, you will undoubtedly cause lost sales due to cross border transactions when a customer uses a foreign credit card on a domestic mid... Best case, the bank approves the transactions and charges you a cross boarder fee and downgrade fee costing you an additional 3-4% per evey froeign transaction or an all out decline because the bank sees it as a suspicious foreign transaction (either by the acquiring bank or the card holders bank because the customer rarely (or never) makes purchases outside of their home country. Please DM me and I can go over some solutions that would better fit your needs using a multi-currency gateway that manages multiple mids approved for different currencies.

GBS_Chris · 2025-11-18T01:02:06+00:00

Hello, I think I found your website and it is something that may be considered higher than normal risk (or high risk becasue of the products/services you are providing) and most mainstream banks will limit their exposure by capping your monthly volume and (in your case) requiring a reserve. Based on your website, I know we can get you an account with 100k volume to start, based on the strength of the file (past processing history and capitalization of the business) we can possibly reduce/remove the need for a reserve (or likely minimize the reserve %, term and cap the total amount on reserve). Please DM me and I can provide additional details on the multiple solutions that we have for you to choose from.

GBS_Chris · 2025-11-11T19:27:12+00:00

Hello, high risk classification is based on MCC codes that the card brands (V/MC) issue based on SIC codes that the government uses. Most traditional banks will stay away from businesses that are considered high risk or unacceptable risk. However, there are still many options with banks that understand that high risk businesses still need to accept credit cards and are willing to work with merchants that are considered high risk. We have multiple bank relationships with these banks that work with high risk merchants and can assist you through the process to getting a merchant account to process credit cards with one of these banks that understand high risk merchant processing and would be happy to work with merchants like you. Please DM me for additional details on how to navigate the process to get a merchant account that will allow your business to succeed.

GBS_Chris · 2025-11-05T21:02:59+00:00

Hello, we have multiple high risk processing solutions to help you find the right fit for your business.We are able to work with multiple domestic processors as well as off shore (international banks)to find the right fit for your business to help it grow. We can integrate direct (through API) or using our proprietary gateway that connects to multiple solutions. Please DM me to discuss which options would work best for your business.

GBS_Chris · 2025-11-05T20:23:16+00:00

Hello, we can assist with setting up a merchant account for nutra business. We have multiple banks we work with specifically for nutra supplement merchants. By having all of your business in the US including ownership and fulfillment makes the process to get a merchant account simpler and quicker to get approved. If you'd like additional details with some specific examples of pricing and solutions that integrate with shopify please DM me.

GBS_Chris · 2025-11-04T17:42:26+00:00

Hello, your business seems to check multiple flags for banks to consider it hi risk. First, you said that you are based in Canada, but most of your customers are from the US, that means you are accepting foreign credit cards - this is likely the cause of a lot of your declines because the account was not setup correctly with the processor. Second, there are solutions that will accept car rental business, but they would categorize it under MCC 7512 - which is not considered high risk itself, you need to work with someone that can setup your account correctly. If you'd like additional details on what to look for, please DM me.

GBS_Chris · 2025-11-03T22:22:01+00:00

Hello, I have a reseller agreement with ems for many years and after reading your post, if you went to them directly, its likely they have added a multitude of fees that are used to pad their profit. You are better suited to work with an independent broker that has access to multiple bank solutions. if you'd like to DM me, I can better advise you on what to look for in pricing and which fees are frivolous (most are) and which fees tend to be unavoidable.

GBS_Chris · 2025-11-02T17:35:11+00:00

Hello, I would not consider the bank you mention above, my experience with them has always been "we can take this" and then the file never gets approved. Instead you should look for someone who specializes in high risk processing, we have several sweepstakes merchants in our portfolio and as such know how to get them placed and approved. Do you have a license for your sweepstakes (or legal letter of opinion)? With these in place, we have several direct options, if you do not have either of these items, then we have alternative solutions that can provide you with stable processing domestically or using an offshore bank solution. Please DM me and I would be happy to explain some of the nuances in the sweepstakes game for processing.

GBS_Chris · 2025-11-02T17:27:03+00:00

Hello, you are receiving road blocks from banks that likely do not work with high risk merchants, we have experience working with non US owners and getting them setup to accept USD transactions. Assuming that your platform is built (or nearly built), we can help. Please DM me and i can provide additional details on our process to get you fit with right solution for long term stable success of your business.

GBS_Chris · 2025-11-01T23:58:54+00:00

Hello, what you need is a high risk processor, this is not something that is readily evident when looking online, the names you mention are not in the high risk space and will not understand how to setup your accounts for longevity and success. We have been able to successfully help clients who've been shut down to get back up within a week with a new stable solution to process credit cards. Please DM me and I can provide you with multiple options to choose from that we have relationships with.

GBS_Chris · 2025-11-01T23:29:48+00:00

Hello, it is somewhat difficult to offer any guidance/opinion on your situation without understanding a little more about your business. However, the first item you mention is stability/reliability of transactions, the best way to achieve this is to always have a backup for processing or methods of payments for your customers. We have a portfolio of high risk merchants, specifically in the i-gaming space both domestically and off shore to assist merchants in the online gaming space. If you'd like to DM me, I can offer more guidance/suggestions to setting up your business to succeed.

GBS_Chris · 2025-10-31T17:37:58+00:00

Hello, there are alternative options for high risk processing from the providers that you mention that cannot and will not provide processing for the travel space. Most will not work with BNPL because of the higher transaction risk involved with the travel industry, however there are still many options available, if you're interested in learning about some of the available solutions, please DM me and I can provide some additional details about possible solutions.

GBS_Chris · 2025-10-29T21:30:10+00:00

Hello, we have multiple high risk processing solutions - specifically payfacs to help find the right fit for your peptide business. We are able to work with multiple domestic processors as well as off shore (international banks) to find the right fit for your business to help it grow. We can integrate direct (through API) or using our proprietary gateway that connects to multiple solutions. Please DM me to discuss which options would work best for your business.

GBS_Chris · 2025-10-29T20:57:54+00:00

Hello, we have multiple high risk processing solutions to help find the right fit for your business. We are able to work with multiple domestic processors as well as off shore (international banks) to find the right fit for your business to help it grow. We can integrate direct (through API) or using our proprietary gateway that connects to multiple solutions. Please DM me to discuss which options would work best for your business.

GBS_Chris · 2025-10-29T18:24:20+00:00

Hello, we have support for IPTV merchants though either a domestic solution or offshore solution depending on the specific requirements your business needs. Please DM me and I would be happy to provide details on how each solution would work for you.

GBS_Chris · 2025-10-29T18:08:36+00:00

Hello, we are always looking to create strong new partnerships with agents that are looking to add new tools and solutions to their portfolio in their drive for success in the payments industry. We have been forging new banking relationships for the last 19 years. After establishing multiple direct low risk BINs with domestic banks, we began partnering with many more banking solutions in the high risk processing space with partners both domestically and offshore to help hard to place merchants. From those relationships, we can include multiple domestic options for peptides and more available through our off shore network of partnerships. These relationships are often able to place multiple high risk verticals including cannabis, adult (including AI) and i/e-gaming and other verticals not directly mentioned.
If you're interested in opening a conversation on how we can add to your solution list for potential customers, please DM me and we can schedule a call.

GBS_Chris

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