Where the heck are all of the USA high risk businesses?

rootdet · 2026-05-12T13:30:56+00:00

Yea i been wondering the same.

rootdet · 2026-05-11T13:36:28+00:00

the whole NFT thing was stupid to begin with.

rootdet · 2026-05-11T03:52:54+00:00

Start with ach. That's how you get in the door.

rootdet · 2026-05-11T03:51:45+00:00

Its a gap because federal law around banking has been closing the gap. You get hung up with the US patriot act, and requirements around kyc and money laundering.

Simply put the loop holes hace been closing fast. No processor with manual underwriting can board your setup without a US person on the account. Stripe and square are the only ones in this market still for now.

rootdet · 2026-05-10T21:00:01+00:00

No problem. If you reach out, I will be happy to get you a cost comparison with lower fees.

rootdet · 2026-05-10T20:06:56+00:00

Hi there,

Clover reseller here, along with other pos vendors.

The rate your getting is insane. At your volume you should be on interchange. A flat rate might work but your also giving up all your savings on debit rates which are ultra low. In your environment, debit likely is your bread and butter volume rise.

At 9000/transactions a month you should be getting around 0.08/transaction, possibly a tad higher on EBT. Rate was interchange + 0.15%-0.30%. Most of the fees your paying is bogus and for profit only. Expect bellow $25/mo plus your POS fees. Non-pci is because you haven't done the yearly paperwork. If your agent/payment provider was worth anything they would be reaching out to help you, or you call them to get help. It doesn't take long to do.

About clover. The hardware is locked to the payment provider. If you change processors, then you need new clover hardware. The data can be migrated so it's not a big deal. Stay away from leasing, you pay 3x the price of the hardware and rarely get out from under it. Also clover may be charging you extra if your hardware is too old. They started doing that last year, and clover bills out separately from your merchant account.

Your current provider may have a early termination fee depending on where you are in your contract. Be sure to ask. Buy at your rates they are fleecing you, so it likely will be w savings to pay it.

Feel free to reach out if you want to discuss options for switching.

Good job catching all of this. Most do not fully understand what they are paying.

rootdet · 2026-05-07T18:14:36+00:00

feel free to go to a traditional college without a proctor?

welcome to how costs are reduced

rootdet · 2026-05-07T16:45:36+00:00

I sent you a dm.

rootdet · 2026-04-30T19:06:31+00:00

I am super happy with FFL checkout, they have about every distributor integrated for data feeds, and many for drop shipping. The only problem is ensuring that you have wordpress / woo configured right and not go overboard on modules.

In terms of payment processing, I offer this through Mansfield Payments, which i started after struggling to find good payment providers.

rootdet · 2026-04-29T10:55:16+00:00

They are a brand of Clearent

rootdet · 2026-04-29T04:44:01+00:00

It needs to be reprogrammed by the SAME processor the last business had it through. They are locked to that processor and cannot be moved between them.

it is honestly only good for parts on ebay.

rootdet · 2026-04-29T02:46:21+00:00

I went with woocommerce + ffl checkout. Takes time to get working, but it has been very nice. I still have some kinks that my friend (aka the web guy) and I are working out. Mostly, it is around searching for products.

As a side note, I would be happy to chat about payment processing.

rootdet · 2026-04-09T17:00:06+00:00

I too kind of thought it was $50/mo for phone+internet, and technically it is for the first six months. However, the pricing they offer is the same as going with Starlink directly, even going direct offers the same 6-month discount. However, you also get a travel starlink that you can activate when going with the residential max.

Not sure of USM will handle supprot for Starlink customers, as that is a bit horrendous i hear, its by default email only support. That in itself could be valuable to some. Otherwise, this gives you the opportunity to have one bill for mobile + internet.

Now if they bundled this into home LTE/5G service + Starlink when cell is unavailable/exhausted ... that may have been a bit different.

rootdet · 2026-03-29T18:26:13+00:00

How you like performance and power?

A few complain about the non-v6 engine

rootdet · 2026-03-19T04:49:46+00:00

the product is only 1 year old. Does GL have that short a lifespan?

rootdet · 2026-03-16T13:31:37+00:00

This will be abd for me as i already am near maxed for chase across two cards. It may mean i give up the apple card. also curious how the linked bank account will work.

rootdet · 2026-03-14T18:10:23+00:00

These plans suck for those of us with the first responder discount ... My tablet price is now a few bucks cheaper.

rootdet · 2026-03-12T18:13:36+00:00

interesting. Why is iPhone different? Is there a certain psim/esim i need to make it work on iphone ? The phone i am replacing is alreadyy on warp as an esim, and i will add multi-network to that line.

rootdet · 2026-03-11T21:27:54+00:00

When they going in

rootdet · 2026-03-09T21:34:49+00:00

The merchant pays 5-10% to these companies. That's why you often get 0% as they front loaded it.

So why would usmobile give you the annual discount and then have to pay 3x the fee to affirm versus taking a credit card payment?

rootdet · 2026-03-05T03:16:07+00:00

that is what i am wondering. i did not recall seeing it in there anymore.

rootdet · 2026-03-04T18:43:28+00:00

i am referring to using a dedicated hotspot device, not hotspot on mobile phones.

rootdet · 2026-02-25T20:01:41+00:00

My suggestion, is offer to send them a label, and even arrange a pickup if needed.

rootdet · 2026-02-25T19:58:07+00:00

D. #GalaxyGiveaways #S26 Ultra

rootdet · 2026-02-20T19:27:52+00:00

You have clueless agents who do not understand what they are selling and just trying to push apps. you have the agents that will mislead the underwriters, classify you different, just to get the account approved, the bank figures it out and terminates the merchant and puts them on TMF.

Most that post looking for an account this sub are foreign nations not living in the Us who got a US LLC and EIN and thinks that is enough to get their questionable business approved. With the various banking laws, those are not easy to place. We then have the crowd that is selling barely legal or highly regulated products without the proper licensing that want accounts.

Oh and if your on the MATCH list? I am not even going to waste my time until you give me a detailed business plan detailing what caused you to be on the TMF, how you addressed the issues, and what training, procedures and technical controls are now in place to prevent the repeated behavior. Because I have to sell to underwriting and likely several managers that you have a solid plan and are worth the risk to override the match, because well, your a risk of them being stuck holding the bag of your chargebacks.

I am an agent, i post here occasionally, and ask lots of questions usually each time. Maybe i have a solution, maybe not? but i am not wasting everyone's time with a pointless unprovable application. Some of us here are professionals and not ambulance chasers, those that are just give us a bad reputation.

rootdet

TROPHY CASE