accepting credit card payments for semi pharma

[jd100801]

i am sure similar topics have been spoken about..
i have a online shop that sells only one product and is considered medicine. its not a controlled substance, not a drug opiat/benzo, and in most countries also subscription is not needed. btw its also no viagra and stuff.

however for payment processors i am considered a pharmacy and i tried and tried but no where got accepted. i can do 25.000/mnth and had 0 chargebacks and 0 refunds sofar. was willing to pay 15% discount fee etc.. but still not approved.

is there any way i can do anything to get customers pay with credit cards? maybe some black hat methods? at the moment using spicepay but the procedure is so complicated for customers that over 50% opt out during payment process.

is there anybody that could help me out in making something that i could handle credit card payments in a way thats easy for customers? no option that last for a week like paypal please.

 

[SHA256]

Why not use crypto-currency? or you could look at some payment processing like stripe. Or you could look to something like Izettle for processing. As long as your product is legal there should be no issue.

 

[bountymounty]

You want to look at instabill they are one of the last payment processors left that accept such business!

 

[jd100801]

i contacted them but said they only want to do business if i sell minimal 100K/month......

 

[bountymounty]

really! that's new for not long time ago they took on startups and everything else! Seems it's getting pretty slim your chances to get started at all.

 

[jd100801]

do you think 'black hat' solutions would be possible? like making another shop and apply for that shop for CC and then in a way use it for the 'real' shop? i have read things about doing this with cloudflare and other kind of stuff... or maybe any other kind of solution?

i have proven 'the concept' meaning i have found a very effective marketing channel, have been doing sales with some paypal accounts to see how much people are intersted and stuff, and it was a great success. so the only thing i need is a payment method that is easy for customers in which they can use their CC.

 

[jd100801]

thats not what i mean with "lasts for a week".....

 

[countryfree]

If your business is fully legit, you may ask your web hosting company. You say you want to host an eCommerce website, and ask if they provide credit card processing.

 

[JohnLocke]

As soon as the first chargeback hits your account where the customer will say what he paid for your account will be closed and fonts frozen.

It's difficult to make up a cover business for your activity.

 

[jd100801]

will people not first contact me if they have a complain because of which they want chargeback? and then i can make refund with credit card to their paypal for instance.. or refund their money to their bankaccount? i had in 4 months only one client who wanted money back and i did it this way...

 

[JohnLocke]

Ohh you will be much smarter soon and when you get your business started. People don't even bother to contact you, they simply file a chargeback with their bank and BANG your MA is done.

Not sure how much volume you are doing and what products you are selling, but for sure it's not much yet.

 

[jd100801]

and when this happens, freezing of my account, and i do this for instance with stripe. what happens next? do they put me on someinternational kind of list? because there are like 100 things like stripe.. so then you do stripe, after 4 months have a block and take bleusnap, then take payza, etc etc etc... every week or every 3 days take money from these accounts so there is not much money left when they block.

and what about this:

i have a payment processor ( 'PP1') for another shop ('shop A'). and i used their non credit card payment options for my 'pharma shop' (shop B') this was only a few payments every month. sofar they didnt say anything about it after 4 months. so what will happen if i ask for credit card approval for shop A and then use it for shop B. the approval for credit card payments with this PP1 is done by another company Worldpxx.., it was worldpxx...'s application form. so if i get approved for CC for shop A and use it for shop B will it be PP1 checking what i am doing? or wil it be Worldpxx.. checking what i am doing. if it is going to be PP1 then maybe they dont look very well because the also didnt check for the other payment methods i use... so will this work?