Retry Hub
@RetryHub
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Join our Free Discord. eCommerce Merchant Account Solutions. Get pre-approved at the top US, EU & CA banks. Generated $10mm+/mo as a merchant & now helping you.
United States
Joined April 2023
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Pinned Tweet
Reminder: Download/view our 10+ free guides under RetryHub's
#freedownloads
channel by joining our free discord at
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Stripe and Square aren't built for MRR/subscription/continuity models (that's why many eCommerce entrepreneurs who do millions, can have accounts closed without notice).
Stripe and Square are Payment Facilitators (Payfacs). Working with a Payfac comes with benefits
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Dear "No Ship" merchants: I appreciate the transparency because many of you will let us know upfront that is what you're looking for. It's not only a compliance issue, exposes us to liability but it also harms relationships. Therefore, kindly do not apply.
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@nikitabier
Highly misleading due to the "Core technology fee" That makes no sense.
Without explaining it, this is just weird clickbait
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Reminder: Even some of the most successful eCommerce instructors you know have issues with credit card processing.
Partner with RetryHub. We charge ZERO upfront costs/setup costs. If you're doing $100,000+/mo we'll get on a call with you for a free consultation. DM us.
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@MoreThanMasses
Amex Platinum
Apple Watch Ultra
Allbirds (formerly and now OC)
NFT art clothing
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@BowTiedColombia
Colombia is probably
#1
in the world for per capita phone thefts. It is a lot more dangerous than people think because police do not report most crimes. Their system is a complete failure.
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Comments on a Stripe "Horror Story"
- Doing any sort of quick ramp up of orders sets off yellow/red flags to banks.
- It's better that a bank holds a 10% reserve instead of overreacting and refunding all customers/closing merchant accounts
- It's better to disclose your
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Did you know there are over 4,200 FDIC insured banks in America and less than 20 of them are "High risk" friendly?
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You've got approved for $500,000/mo in processing. Now what? For clients only, we can introduce you to traffic sources, including affiliates, who can potentially fill your entire capacity quite quickly. P.S. Not every bank likes affiliate traffic & you need to disclose it...
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True story: The guy behind the head transplant system is a genius/visionary. I flew out to Basel, Switzerland for a conference where I met him. I was slightly skeptical at the time. The ability to turn theory into reality is actually incredible.
I mistakenly thought he was
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@elonmusk
I spoke to an Uber driver. He thinks the shots fired were fake because BBC and CNN and many other videos told him that.
Surprisingly some people still believe “Mainstream” propaganda.
He says he is 100% sure its fake and will never change his mind even with new info.
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@MoreThanMasses
My good IRL friends (The Masanto family) own this. They are keen on compliance, doing the right thing and not keen on negative option. Perhaps you can ask them. They have been legends for a decade.
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Q: You've been approved for "Unlimited/uncapped processing." Should you process $500,000+ in one month?
Only if you're certain your chargeback rate is well under 1%. Otherwise, you risk the longevity of your merchant account.
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In the vast majority of cases, you can't send someone a wire and have them get you rich. You need to oversee the key areas until they're made simple. The level of attention to detail needed to succeed is usually beyond the level you can blindly outsource. In other words, most
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We’re excited to announce an exclusive 1 month FREE trial of
@checkoutchamp_
Sign up using this link to qualify
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@Th3_Injector
~$3.9m in 2013 as an advertiser after buying out my partner, 100% affiliate traffic. I didn't personally buy traffic for this business for a few years. That was also our worst year
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Happy Chinese New Year (until Feb 20) from the RetryHub team in Vegas
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Did you know there are probably less than 6 "high risk friendly" credit card processing solutions in the US that will let you sell 90%+ outside of the US?
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Why do higher risk friendly European payments solutions have longer (eg. 5-7 day settlement times) instead of US banks, which often take 1-2 days?
Europe, most banks don't check a merchant's credit score, so they are exposed to more risk. They overcome this risk by relying
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Registering a domain on Cloudflare has several advantages:
1. The costs are below market (This alone should be enough)
2. If you need to set up advanced DNS services to protect your server against bots/DDOS, you have your domains centralized
3. Developer friendly features
That
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Excellent CRO breakdowns
So many little details can make or break a PDP.
But Dream Gummies page is an amazing blueprint.
Study this carefully to understand why I'm sure these guys are killing it.
1 - The social proof 'Based on 24,567 Customers' at the top is crucial. It is immediate and quantifiable.
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You can get approved at a high risk friendly bank in the US with no processing history but expect to get processing limits between $10,000-70,000/month
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Billionaires often respond in minutes.
Meanwhile many people need to take several days or a week to mentally prepare for a simple phone call. 😳
Some are shy about sending an email after "Office hours."
You're welcome to contact our team by email, or discord or telegram 🙂
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Reminder: If you're doing at least $10,000/month and you want to save thousands per year on processing fees, send us a DM or apply at
We can save you money by switching.
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@BowTiedColombia
Software development is probably one of the best paid "legal" fields for Colombians
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If you generate $500k+ in sales on a $50,000 merchant account, most high risk payment solutions will hold $50,000 for the lifetime of your account. After applying at RetryHub you can request a lower reserve to be held (a capped reserve by a lower $ or % value)
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FAQs about RetryHub
We're an ISO with complete pricing/underwriting discretion at 20+ high risk banks.
We are NOT a Payfac (like Stripe, Paypal, etc) so we require an SSN or TIN # for you to qualify in the USA. For Canada, you will need an SIN#. For EU you don't require any
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✅Get 1 or more high risk merchant accounts with up to $1,000,000/month in merchant account processing capacity per US entity. Apply at
✅ ZERO setup fee or obligation to proceed
✅ Get pre-approved at multiple banks in 1-7 business days in the US with
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When you get merchant accounts approved with RetryHub, you can request the gateway you want (eg. Authorize, NMI, Cybersource (and more), which is compatible with most of the major CRMs including Shopify, Woocommerce, Clickfunnels, Funnelish, Sticky, CheckoutChamp, Konnektive...
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Virtually Essential Definitions for the eCommerce/Payments/Merchant Account Industry:
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Question: Will I get MATCH listed if my chargeback rate is higher than 1%? Not necessarily. It would typically only happen if you hit >= 75 chargebacks on a card brand in a calendar month, fraud occurred, you didn't ship great products or you owe money to an ISO/acquiring bank.
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Summary of items to improve:
1. Descriptors
2. Customer service scripts
3. Communication before & after purchase
4. Audit your customer service process
5. Product quality
6. Shipping times
7. Chargeback management company
8. Payment methods
9. Potential fraud
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People make way too many excuses.
- Connections
- Lack of experience
- Capital
- Knowledge
This is why I think many gamers make the best entrepreneurs. You start from scratch and figure it out, gradually improving.
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@MartinShkreli
We specialize in alternatives to Stripe/Paypal/Shopify Payments. We've helped several AI/software companies. Happy to help you.
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If you process on Stripe, be prepared for this type of message (received today by a client).
RetryHub will help ensure your merchant accounts stay open with both US & EU high risk friendly solutions).
We charge no set up fees/upfront fees. Our interests are aligned (to keep you
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Did you know you can bill in 50+ currencies with some US merchant accounts and settle your funds back in USD$? By doing so, you can increase your authorization and conversion rate...Most merchant account solutions won't let you do this.
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How it feels when you get a backup merchant account to Paypal and Stripe, allowing you to scale to ♾️ without the fear of holds or your account being closed.
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I'm not surprised by JP Morgan blocking CRYPTO. In 2013 an accountant I know lost over 100+ bank accounts she managed on behalf of clients because one of her clients had one transaction from Coinbase. In fact, this is what initially put me off crypto.
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🇵🇦 Who is in Panama? DM me for a lunch/coffee invitation to discuss e-commerce/processing ($100k+ mo minimum)
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If you're a subscription merchant using Shopify Payments, if Shopify Payments closes your account you likely can NOT migrate your data.
It's best to start with a subscription friendly solution from the start... 🧠🤝
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Q: Can you use a Hong Kong entity to apply for EU processing? A: No. You can leverage your history from HK or any other country but EU banks typically require you to incorporate an entity in Europe to process payments.
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Question: If you have more than one merchant account approved should you process on all of them or just one at a time?
The answer depends your preferences (Cash flow, decline rates, risk and building a relationship)
To clarify:
A) If one merchant account is performing
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Is it possible to have 0% reserves with Shopify and/or other high risk solutions? Perhaps if you have significant volume and extremely clean processing history. If you are new, Shopify and Stripe will be more cautious
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@TrafficBrokerX
1. risk of non payment
2. lower initial volume so it’s not worth the setup time
3. you have something to hide
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When applying for a merchant acount, you don't need to officially register for a DBA to list a DBA for merchant account purposes. In fact, you can have multiple DBAs for the same company all unregistered. These DBAs can be for each product/URL you submit.
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Even in America you need to be careful about what banks you choose. At RetryHub we only suggest banking in tier 1 jurisdictions. However, even tier 1 countries can be risky. See:
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Are your transactions declining at unnecessarily high rates? If you're doing $10 million/year in sales and you increase your approval rates by 10%, you can add an extra $1 million/year in revenue.
Approval rates vary by some factors you can control. You can achieve this
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Your company is generating $10mm+/year in sales. Can you expect buyout offers from an investment banker?
There are schools of Investment Bankers trained due to "Creative finance" where you get a buyout over 5 years and you get an earn out. You rarely get a cash buyout at a
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Steps to Avoid High-Risk Payments by
@tapcart_app
Log in to your Shopify Dashboard
Set up manual payment capture. This will allow you to preview orders being placed on Shopify and scan through any potential fraud risks that occur or take place. By manually capturing payments,
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@pmktg00
@MattTingcom
Authorize is just a gateway…just like NMI AND Cybersource. The actual backend banks they work with vary substantially. The market is confusing to many as there are many layers: Acquiring bank, card brands, processors, ISO, and gateways. They are typically different firms
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@PetitRetard
Ripoffreport used to charge people $2500/mo for that. You will be a deflationary influencer.
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You can overcome not being able to advertise with alternative traffic methods/organic traffic/influencers.
However, you can't overcome not being able to process payments. Therefore, choose your business model wisely and ensure banks will accept your model in advance.
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@MoreThanMasses
The 1, 2 and 3 are each subscription options...others typically do 1, 3 and 6 for non subscription (straight sale)
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@entropychaser
The bat soup propaganda was some high CTR clickbait. It was actually brilliant how that went viral.
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If you're selling in Europe, we now have excellent optons with multi-currency capabilities. You can be a startup or a seller with history. You can leverage your US processing history to get approved for higher limits in Europe. To apply, get in touch with a team member :)
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Do "Bulletproof" merchant accounts exist? Do accounts with zero holds exist?
Almost every bank, including high risk friendly solutions, will hold your funds if you trigger any of the following triggers:
1. Higher than acceptable chargeback rates
2. A high sales growth rate
3.
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@TheJerzWay
It is actually insane to bank significantly in Panama for significant sums. I am surprised you are suggesting this.
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Can you run European traffic on US merchant accounts? We've only identified 3-5 US banks that are comfortable with you running more than 50% non US traffic. So, yes it's possible if you work with the right banks. Avoid holds/surprising your bank by speaking to us first.
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If your merchant account is closed, how long do most banks hold funds? 180-270 days after the last potential dispute/chargeback is the typical time frame
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What's the difference between an online gateway and a virtual terminal?
A payment gateway is for online transactions where the customer enters their own payment information.
A virtual terminal is for manually entering customer payment information for phone orders, mail orders,
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@crowizard_stef
Happy to help you with alternative payment solutions in the US & EU to avoid this type of scenario. Hopefully, you can resolve it soon.
In this case, if they refuse to help after 2+ requests you can try
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I subscribe to FTC alerts as it’s interesting to know what regulators target over time. This is an interesting example from today. Using only real reviews and not suppressing reviews is important.
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Few (<5) US high-risk processors accept >30% international traffic. Struggling with this? Contact us for international-friendly banks! Alternatively, apply for our unlimited non-US EU solutions.
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Visa released their 2024 Global Fraud & Payments report. "Findings show that 63% of merchants report an increase in friendly fraud since last year alone. The good news? 77% of merchants say card brand compelling evidence updates have successfully blocked friendly fraud."
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This happens a lot.
I’ve seen:
1. Product and Postage is stolen
2. Product isn’t shipped and they blame it on your API. I’ve got $5000 paid for me as a penalty for 1 day for their non shipment
3. Products ordered aren’t products shipped
Lots of bullying going on from 3PLs to DTC brands.
It goes this way:
1. DTC brand gets fed up with lousy service and overcharges
2. DTC brand wants to move inventory out
3. 3PL holds inventory hostage and demands amounts wholly divorced from reality and, most importantly, the
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With one no obligation / risk pre-application, the RetryHub team will help you get approved at 10+ of the best US banks for MRR/subscription/high risk or low risk depending on your needs. Get your backup and diversify today. Want an example of why you may want a backup?
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How does currency conversion work with RetryHub's payment solutions if you sell outside the US?
With US banks you can only sell in USD$ with the exception of a few banks we have that have a virtual terminal option where you can get set up more currencies. Funds are settled in
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This clip of the Nvidia CEO is going viral well said.
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RetryHub can help you solve this "Good" problem. Avoid processing interruptions by getting more capacity before you need it.
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Magento
BigCommerce
Squarespace
Wix
PrestaShop
OpenCart
Volusion
Ecwid
Square Online
GoDaddy Website Builder
Kartra
Leadpages
Instapage
HubSpot
Shopware
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@nikitabier
"Core Technology Fee — iOS apps distributed from the App Store and/or an alternative app marketplace will pay €0.50 for each first annual install per year over a 1 million threshold."
So, for the first 1 million downloads this is not applicable...Source:
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✅Join our free discord community at to network with successful eCommerce entrepreneurs and get free guides. Apply now (zero cost to apply) for a high risk merchant account at
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I hope the people of Bangladesh are able to restore their internet access soon. Wishing them the best in overcoming this challenge and for a swift resolution to the situation.
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RetryHub is very proud to support X/Twitter. Beautiful platform. Feel free to engage with us here or on discord at
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@AnthonyEclipse
@Kubycazal
We have a solid EU bank/payment processing solution for Sweden. CC works.
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We love French merchants. We haven't figured out why we're so popular in France. Perhaps I should have studied French for more than 5 years in Canada. Bonjour. Allo. Salut!
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A high payment failure rate has been a bigger issue since 2019 as issuing banks began declining more transactions.
There are multiple solutions to this problem, each of which could salvage 0-30% in extra revenue. There are easy, intermediate and advanced solutions:
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@RomanEcom
@obviceo
I would love to talk to anyone with 50+ Venezuelan, Colombian or Panamanian freelancers (non call center). I wish it was easier. It is harder than you think due to the level of English/other factors. Parts for Asia are still supreme.
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How It Works: Once you sign up & the Checkoutchamp team chats with you, they will void/refund your purchase and push your subscription out 30 days.
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@realCoreyEngel
Hard to believe this. YC has some of the highest quality ventures. Seems like clickbait
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Why do many merchants prefer custom checkout solutions like , CartHook, CheckoutChamp, or Konnektive. These solutions can you make or save millions of dollars over a default Shopify or Woocommerce checkout?
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Your decline/approval rate is dependent on many factors including but not limited to the following:
A) Acquiring bank (We can help you work with higher approval banks in the US & EU)
B) Billing model (When do you charge the customer and how much?)
C) Countries you sell to
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The most successful people I know are the most likely to ask for help/recommendations and introductions. People have an irrational fear of asking for help.
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