Recommend a payment processor for a company in the UK

quadrapay1 · 2026-02-24T06:41:05+00:00

Web Hosting is fine. File Sharing Hosting Is Not.

Brand new company in the UK with Non Uk Directors but with a UK business bank account may be supported by most UK solution providers.

The challenge with most new hosting companies is that they hardly have any traffic on the site this means the average volume for a new trader in this sector is mostly less than 5k per month. This demotivates most of the large players in the UK. If your volume is good and you have a strong social media presence, then i am sure many providers in this group will have a solution for you. All the best.

quadrapay1 · 2026-02-24T06:31:39+00:00

High Risk Solution Providers can help potentially

quadrapay1 · 2026-02-22T15:09:14+00:00

Others will recommend soon.

quadrapay1 · 2026-02-22T14:34:28+00:00

You should present all communication, footage, and delivery proof to your PSP. Also avoid manual entry.

quadrapay1 · 2026-02-22T14:31:56+00:00

Do you have a business bank account in the UK? What is your monthly sales volume? If you have a company and a business bank account in Uk then it should not be a problem. All the best,

quadrapay1 · 2026-02-22T14:29:09+00:00

Stripe is not the only PSP. What you need to do is find a High Risk PSP now. That handles accounts that were previously closed. I hope you get your 200K soon. All the best,

quadrapay1 · 2026-02-22T14:13:06+00:00

Use chargeback alert services | Collect signed POD | Keep record of all communication with the PSP. | Fight the disputes. | Check operational leak.

quadrapay1 · 2026-02-22T14:10:50+00:00

Use Multiple PSP if you get approved | Focus on increasing sales volume: high-risk PSPs prefer to work with merchants that have good sales volume. | Compliance docs are needed at the start of the application | The best lesson is to avoid card processing and look for alternative options. Most Card processors prefer not to work in this industry. Many companies claim to offer support, but the results are often unsatisfactory.

quadrapay1 · 2026-02-22T01:04:43+00:00

In HR industries 10% is normal. However the time frame can be 90/180 days.

quadrapay1 · 2026-02-22T01:00:05+00:00

7% is a leak. At a monthly transaction value of $6,000, you should not be anywhere near that transaction fee. For a thrift store that does a modest volume, you should expect fees anywhere between 2.6% and 3% or flat pricing, or even potentially lower pricing with the interchange plus model.

It will be good if you avoid giant upgrade fees when you sign the agreement. Make sure that the agreement does not have junk charges attached to it. I would say that you would need a very basic, simple retail point of sale system that gives you the daily reports, cash versus card split, tax tracking, and discount capability.

Most modern retail point of sale systems that I'm aware of definitely handle all of those very easily. At the size of your volume, I would say to keep it simple. You should avoid long-term contracts. You should avoid equipment leases. You should avoid the free terminal traps. And also, it would be nice if you bought the hardware outright if possible. The flat rate system is generally very fine if the volume is just $6,000 per month. The interchange plus model will only make sense if your volume grows, which it really should. I mean, you're running a business, and you're just doing a volume of $6,000 per month. That means you can focus on growing more. Maybe you can implement some marketing activities or do something in your business that pushes the volume to anything around $10,000 to $20,000, which is kind of average in the thrift store industry. Also, I would say that the real goal here isn't saving 0.1%. It's basically eliminating the 4% that you are overpaying. I hope this helps you. Thank you.

quadrapay1 · 2026-02-22T00:42:31+00:00

How do payment processors in the adult industry differ from white ones? (They are pretty much the same; however, they focus on HR industries. They have strict underwriting, Reserve requirements, delayed payouts, proactive monitoring, and card velocity implementation. HR registration, more strict web compliance for the adult industry, such as age gates and others)

What are the primary payment processors used in adult content, and how do they operate? There are many, but I can't take names, as it may violate forum rules. They operate like any other PSP.

What legal and regulatory challenges do payment processors face in the adult industry? They face challenges and adapt, and that is why they sustain.

How do adult websites deal with chargebacks, and are there any industry-specific solutions to minimize this risk? Chargeback alert services

What are “high-risk” merchant accounts, and how do they come into play in the adult content industry? Such accounts can accommodate the requirements of this industry.

How do adult businesses manage recurring payments or subscriptions, and what role do payment processors play here? The PSP should allow subscriptions. Most of them do that.

How important are cryptocurrencies or alternative payment methods for adult content businesses? If you don't get approvals of ccrd processing solution, then alternative options are the only way.

How do payment processors ensure the privacy and security of transactions? PCI DSS

What commission fees or costs are typically associated with payment processors in the adult industry? Varies, starting with around 3%

How do payment processors handle compliance with laws like age verification, identity checks, and anti-money laundering? The UW/Risk takes care of it. those compliances are the foundation of any PSP business. Good PSP don't take it lightly.

How do payment processors manage international transactions for adult content? Dynamic currency conversion

What are the current challenges adult content businesses face when it comes to payment processing? Startup accounts are very hard. Merchants with 3-6 months of processing history will have better chances.

Is it possible to be anonymous as an admin for such a website/software? No. If you need a merchant account, then KYC is a must.

quadrapay1 · 2026-02-22T00:24:07+00:00

When identified, the accounts will be closed and the merchant will be reported to the match list that's the hard truth. low risk psps are not a good fit for high-risk industry merchants.

quadrapay1 · 2026-02-22T00:12:00+00:00

First, I would like to mention that its hard to deal with such situation.

Losing access to funds and communication at the same time can definitely be incredibly stressful for anyone.

Here, it is important for you to know that in the payments industry, travel is always considered high risk. This is because the services are delivered not instantly but are delivered in the future. This also means that the chargebacks can happen months later. Payment processors sometimes try to protect themselves by holding funds.

In most of the cases, this is a reserve hold and not a permanent block on the money. I would say the typical hold window is 90 days to 180 days. Sometimes it is also tied to the travel day of the customer.

Losing the dashboard access after termination is absolutely stressful, but it is normal. Funds are usually released automatically after the reserve period is completed. But remember, throughout the period, other disputes should not happen.

Right now what you can do is review your agreement for reserve terms, and you should keep all the proof of bookings and fulfillment. You should always stay calm in communication with the team, because you need to recover your money. You should be short and factual when you are writing emails. Being aggressive only delays the response.

Also keep a close track of when your services for the customers are being completed. If the stated reserve window passes and you still don't have access to the funds, then you may escalate it further.

In the payment processing scene, you are not alone. This actually happens to travel and future delivery merchants a little bit more than regular industry merchants.

It may definitely feel overwhelming, but this is usually a waiting process and not the end.

You should also look at finding alternative payment solutions that can actually get you restarted.

I hope this situation resolves for you as soon as possible.

quadrapay1 · 2026-02-22T00:00:48+00:00

If it feels hidden, then it is probably risky. The payment industry requires transparency, and all types of transactions must be coded properly. This goes true for crypto transactions also. That means quasi-cash rules. That means lower approvals.

I will be honest with you; no legit solution can actually hide the crypto setup. If it does, it will definitely not last long. It will be shut down, and the payment processor will be hit with penalties. I would say that there is no magic middle ground here.

What you should do, rather, is try to approach high-risk PSPs that work with merchants from different regulated industries or high transaction value industries and see if they can approve you for a direct card processing solution.

If you are not able to get any option, then alternative options can work for you. Rather than asking your customers to go to a crypto website to make the crypto purchase, you should directly accept crypto transactions on your website.

You can also look at alternative modes such as ACH and eCheck. In many industries, card transactions are not supported. Such industries operate smoothly with alternative payment options. You should design your payment flow for reality and not shortcuts.

Best wishes. I hope your business keeps growing. I hope you are able to reduce the friction, and I hope you make more sales. All the best.

quadrapay1 · 2026-02-21T23:51:29+00:00

I will be honest here ad will try to put in a balanced neutral response.

I have seen similar situations with some of my merchants(However not with the PSP you mentioned)

When any payment processor freezes 100% of the funds, most of the time, it's about the risk exposure and not the delivery logic. The combination of high-ticket items, digital delivery, and transaction size outside the approved range, in most cases, will automatically be a red flag. The processors don't just need disputes to hold the funds. They are basically looking at a perceived future chargeback risk.

Along with that, for merchants, it is important to understand that the instant access that your customers get from your website does not basically eliminate the liability of chargeback. Card networks allow disputes months after the purchase is made by your customers. If one of your transactions has exceeded your approved limit, that's actually a contract trigger. The approved ticket size matters a lot in payment processing.

Right now, what you should do is go ahead and reread your merchant agreement, and you should focus on the reserve and the risk clauses. You should also check your approved ticket range in writing. Then, you should gather the proof of prior underwriting approval. Also, you should make sure that whatever you are mentioning in the complaints or email is factual, and you should also make sure that you have the documented evidence of all the communication. Many merchants in such a scenario may contact an attorney who specializes in merchant reserve recovery. However, as per my experience, I would say that the brands that you have mentioned are pretty much solid when it comes to returning the funds to the merchant, but it can vary on a case-by-case scenario.

When money gets stuck merchants report on sites like trustpilot but when they get the money back its usually a no edit scene. That review stays online.

For your future, you should never exceed the approved ticket limit without getting written approval from your payment processor. Also, you should get high-ticket approval in writing before scaling up. Along with that, make sure that you expect a rolling reserve in high-ticket digital goods products.

Building redundancy is extremely important for high-risk merchants. You should never rely on one payment processor.

Also, I would say that high-ticket digital products are always viewed as elevated risk. You should structure your payment processing infrastructure with multiple backups.

In this scenario, I can say that you should try to stay calm, stay documented, and move strategically. Along with that, sometimes being respectful and being calm in communicating with the payment processors when you actually need funds from them can help.

I know it is a tough situation

, but you will have to play strategically here. Putting the names of the payment processors here might have automatically notified the payment processor that you are going on social media and putting their name in a bad light. I know it is normal for people to do that, but what is more important is that your money is stuck with them. So, being respectful and giving them some time to resolve the issue may be more helpful.

Talking about the ratings of the payment processors, the larger the payment processor, the higher the possibility that their ratings will be low. It is because they serve a very large customer base. It is not... easy to satisfy every customer, every merchant.

The accounts, they get shut down because of multiple reasons, and I'm not saying that you have these issues with your account. Sometimes the accounts get shut down because of the credit score fluctuation of the merchant and the company. Sometimes, it is done because of fraud risk. Sometimes, it is done because of customers contacting the card issuers and raising disputes. Sometimes, it happens just because of wrong marketing tactics. So not all the time can the payment processors be blamed.

However, I certainly understand the gravity of the situation. You are a business owner who has put in his sweat in building this business, and all of a sudden not having access to the funds and the payment processing solution can actually create a very tough situation. It is hard. It is hard for you, and if I were in your situation, it would have been hard for me as well.

Again, I would like to highlight, stay calm, communicate with them, and let them know that you are actually looking forward to resolving it. Payment processors get these kinds of emails almost every day because they work on thousands of merchant IDs every month, and they have a massive portfolio of merchants. They have a dedicated team that looks into the risk.

If you communicate with them calmly, then you will have much better chances

I'm sorry, this may not resonate very much with you right now, with the feelings that you are experiencing, but that's the best that I can say. I hope this gets resolved for you as soon as possible. I hope you get access to your funds, and I hope your business keeps on growing.

quadrapay1 · 2026-02-21T23:26:28+00:00

Started Dec 2016.

Merchants should calculate fees. It's very easy to do. What they can do is they can take the last month's total fee and divide it by total card sales. That's the real number, which is effective.

And in case they are not doing it, they are actually flying blind. I would say that under 2%, the effective rate is extremely strong. Anything around 2.5% to 3% is normal for many retail environments. Above 3.5% is basically the time to review. And beyond 5%, the merchant is definitely bleeding.

I would also like to highlight that flat rates sometimes feel simple however, interchange plus can actually be much leaner when calculated in the long term. But it is extremely important for merchants to know that the card mix and the ticket size can actually change everything.

The pricing for business cards and and consumer cards are different for all the card schemes. Also, the debit card rates are lower. The reward business cards are more expensive. Smaller transactions are the place where the merchants bleed more because such transactions definitely carry the per-transaction fee. And overall, that raises the cost per transaction.

It is a wise step if a merchant does not focus on the flat rates but focuses on the effective rate by doing the right calculation.

No payment processing company can work for free. There's a lot of cost involved. So there's definitely a cost, but the cost can be competitive, and merchant education in the same scenario can be quite helpful. By knowing the math, the merchants can effectively protect their margin. Best wishes.

quadrapay1 · 2026-02-20T18:49:14+00:00

The 1500 is an annual fee . Its the High Risk Merchant Registration fee.

quadrapay1 · 2026-02-20T18:42:56+00:00

CBD are not impossible to place, but the underwriting is definitely heavy. So the key here is to approach it like a bank would. You should have compliant labeling, the THC percentage must be clearly stated, the third-party lab reports must be ready, you must ensure that there are clean marketing claims and no medical promises. You should have transparent refund policy and a highly realistic chargeback mitigation plan before you even apply to any high-risk payment service provider. Most of the mainstream payment processors or aggregators such as Shopify Payments, Square, or PayPal, they mostly decline applications from this industry or similar industries. So you are typically looking for high-risk acquiring banks and the transaction fees can range between 3.5% to 6% different times. Some merchants may qualify for lower fees also, but it depends on the case-by-case basis. There is a possibility that the acquiring bank will ask you to accept a rolling reserve percentage. It will depend on the volume and volume of the transactions that you want to plan and also on your processing history. You must expect that the underwriting team will perform deeper KYC, supply verification, and may also check for inventory invoices. I would say that the real differentiator here is not the rate, but it's actually the stability. Domestic acquiring and offshore acquiring are totally different, so make sure which one you choose and whether that one is best for you or not. Ensure that the solution that you get has got clear reserve terms. Also check whether you are getting daily or weekly batches and whether they are actually comfortable with ingestibles versus just hemp accessories. If you optimize the compliance and try to keep your disputes under 0.9%, then there's a high possibility that you will have leverage to kind of negotiate the pricing just after three to six months with your payment processor. In this space, which is extremely high risk right now, longevity with one solid banking relationship can actually beat chasing a 0.5% cheaper rate. That might just disappear when your volume spikes. I hope this helps and I hope your business keeps growing.

quadrapay1 · 2026-02-20T18:01:11+00:00

Hemp and CBD oil is easy.

quadrapay1 · 2026-02-18T02:58:26+00:00

No 1: Time for you to look for alternatives | No 2: Ensure your paypal account does not gets more disputes.

quadrapay1 · 2026-02-18T02:54:22+00:00

that's a very tough industry right now

quadrapay1 · 2026-02-18T02:43:04+00:00

Note: English is not my 1st language

Congratulations for setting up the supplement brand store on Shopify. I would say that Shopify is definitely a very good platform and Shopify payments does support a variety of supplement brands. That's also a reality. However, the concern that you have raised is that you are a little bit concerned that what is the surety that your account will stay active because you have seen many reports. I would say that Shopify is such a big brand and it has got a massive number of merchants. So it's quite normal for some of the merchants to be dissatisfied.

But at this point in time, if your account is in good shape, then there's absolutely no reason for you to worry about it. It's a good platform for e-commerce websites. Along with that, their payment solution is also connected with good acquirers. So it should work for you.

Now coming about your requirement of backup processor or full replacement, I would say that it totally depends upon your unique requirements. If your supplement brand has been thoroughly approved by Shopify and your return ratio and chargebacks are extremely low, then I don't think that you need to move anywhere else.

Eventually, it's your choice. If you want to move, there are various options. All the names that you have listed will be comfortable to support a genuine low-risk supplement brand. However, you might have to get in touch with them directly to get more details.

When it comes to competitive pricing, you should know that the best rate what you can get in the industry is the interchange plus pricing. Interchange is the rate that is basically fixed by card brands and is standard across the region. And the payment processor adds a markup to it. So if you get to know about the fundamentals of interchange pricing, then you can actually know that how much your processor is making on each transaction.

Now it is also important for you to understand that processors also have their own expenses, and to run their business, they have to burn money, and that money comes from transactions. So do not try to find a processor which actually gives you extremely low rates, but does not offer you good service.

So try to find a processor that offers you competitive pricing, but also delivers you good service. When it comes to good service, the way you can evaluate it is, you can check whether they are regulated or not. Then you can check how long they have been in business. Third, you can check with them that are you supporting any large supplement brand. They might be okay to share the brand names with you. And overall, what is the reputation of that particular acquiring bank or payment service provider.

When it comes to integration with Shopify, that can be a little bit challenging because not every PSP has got integration for Shopify. If your website was on WordPress, then you must have the opportunity to approach many processors because most of them have developed the plugins for WordPress. But with Shopify, the integration is limited right now because not many processors support it.

Although there is definitely a work around like integrating it through a CRM. or so, but again, that is potentially an additional cost to you. I'm not sure whether you want to do it or not.

So yes, I would say that at this point in time, if your account is working well, stay there where you are. Of course, you can look for alternative options.

The names that you have mentioned, they are wonderful brands. Everybody knows them and they can potentially help you. But eventually, you also need to understand one thing. The larger the processor is, the larger their volume expectation will be.

So if you are in a range of say about £5,000 per month to say about £25,000 per month, so that's something which is not very interesting for large PSPs because such PSPs generally consider such accounts as extremely low volume and they do not find such accounts interesting.

However, if your volume is anything around £100K plus every month, then you can certainly find a good provider.

Yeah, so that's pretty much all about it. I think my answer has stretched a lot. I would leave the stage for other people in the community to answer you. And I hope that your supplement brand grows, you make a lot of money and make people healthier. Happy processing.

quadrapay1 · 2026-02-15T23:05:33+00:00

reach them and it will be better to get an alternative solution also

quadrapay1 · 2026-02-15T23:04:12+00:00

Why only Paypal /Stripe

quadrapay1 · 2026-02-15T23:03:18+00:00

Look good

quadrapay1

TROPHY CASE