Rejected by Stripe: How to Move Forward with Payment Solutions?

[StephB]

Hi all,

I'd appreciate any advice you could share on the following situation.

I played the transparency card with Stripe, and it didn’t go well. My application was almost instantly rejected as they classified it as high risk—dating. I appealed, and they requested the site address for evaluation, but I’m not feeling too optimistic about it.

I’m selling an app and have built a site for it. The app itself doesn’t provide any adult content but does involve interactions with some adult cam sites. Apps like BulkImageDownloader, YTSaver, and 4kDownloader seem to get away with using Stripe and PayPal, despite their heavy scraping and content extraction practices. They get away with it because they don’t openly mention the sites they support, and major platforms like YouTube and TikTok don't seem to care either. In my case, distancing from the cam site would undermine my core value proposition—I'm actually promoting them and bringing traffic, so there’s no foreseeable friction on that front. My terms of use are solid in that regard too.

My current setup is an LLC in Delaware with a US bank account. Besides the app’s site, I have another more corporate-looking website under the company name, which doesn’t reference the app directly—I mainly used it to set up a virtual bank account. I'm not a US resident.

My plan is to create a bogus product page on the corporate website, use that as the reference in my next payment processor application, and set up the payment page on that site via the processor’s API. The idea is to redirect users from the app site to this payment page, and then redirect back once the payment is complete.

Questions:

1. Does my plan to redirect users back and forth sound too simplistic? Can I realistically get this past Stripe or PayPal with these workarounds?
2. I’m also considering integrating BitPay for business. My first impression is that their risk evaluation might be even stricter than Stripe's. Any thoughts?
3. Would another application to Stripe be even considered under the same LLC or am I flagged for eternity?
4. Any other recommendations for payment processing options?

I’m also thinking about joining the forum as a paid member if that's the best way to get valuable insights. I’m just an IT guy and, to be honest, pretty broke right now. I have this app and another one in the works, both in a bit of a gray area, and I really need to get them to market ASAP. Would joining the Mentor Group Light be worth it for me?

 

[Universal32]

I think you described a typical cloaking Stripe method. It would be interesting to hear the opinions of experienced users. My question is: what should I do if I have malicious actors or competitors who will report my site to Stripe, showing the entire chain from the real site to the masking site? These people will appear at some point, that’s inevitable.

Regarding BitPay - why choose it? I use Oxapay. It’s not as popular, but it allows individuals to work and supports almost any website, including adult ones. Just consider it as an option. I also like their automatic conversion to USDT and auto-withdrawal when a certain amount is reached.

 

[EliasIT]

There are plenty of threads here on OCT, both in the Mentor Group Gold and the public forums, about cloaked Stripe accounts. You should use the search function in the top right corner or search the forum with Google as shown below.

site:offshorecorpalk.com cloaked stripe

That being said, you are fairly limited with your US LLC. If you want to take advantage of the many payment processors in Europe, you should consider a UK LTD or something similar.

 

[StephB]

I think you described a typical cloaking Stripe method. It would be interesting to hear the opinions of experienced users. My question is: what should I do if I have malicious actors or competitors who will report my site to Stripe, showing the entire chain from the real site to the masking site? These people will appear at some point, that’s inevitable.

Regarding BitPay - why choose it? I use Oxapay. It’s not as popular, but it allows individuals to work and supports almost any website, including adult ones. Just consider it as an option. I also like their automatic conversion to USDT and auto-withdrawal when a certain amount is reached.

Thank you, I didn't know "cloaking" was the term for this, although I've encountered it several times in this forum. I was wondering the same thing. It could come from competition, or more likely, it could come from a customer's claim.
I'm looking into Oxapay, and I appreciate the suggestion. The good thing is that they offer a sandbox to test their API, but I still need to dig deeper into what they do.
I was interested in BitPay because they allow you to keep your balance in dollars and never hold cryptocurrency. Also, they can guarantee you receive the exact exchange rate for what you're asking in $.
You say they are lenient. Assuming you're running a high-risk business, did you cloak your site from them, or did you reference your real site? I wouldn't want to repeat the mistake I made with Stripe.

@EliasIT Well, thank you for the parameterized Google search, your suggestion on how to get around the forum, and your comment about my poor setup. That was very helpful.

 

[Universal32]

Thank you, I didn't know "cloaking" was the term for this, although I've encountered it several times in this forum. I was wondering the same thing. It could come from competition, or more likely, it could come from a customer's claim.
I'm looking into Oxapay, and I appreciate the suggestion. The good thing is that they offer a sandbox to test their API, but I still need to dig deeper into what they do.
I was interested in BitPay because they allow you to keep your balance in dollars and never hold cryptocurrency. Also, they can guarantee you receive the exact exchange rate for what you're asking in $.
You say they are lenient. Assuming you're running a high-risk business, did you cloak your site from them, or did you reference your real site? I wouldn't want to repeat the mistake I made with Stripe.

@EliasIT Well, thank you for the parameterized Google search, your suggestion on how to get around the forum, and your comment about my poor setup. That was very helpful.

Just talk to the manager in the chat on the Oxapay website or message them on Telegram. If your site is not an obvious scam, they will accept you. My site is a typical pirate adult site, and they gladly approved me.

Does BitPay allow withdrawals in fiat to a card?

 

[StephB]

Just talk to the manager in the chat on the Oxapay website or message them on Telegram. If your site is not an obvious scam, they will accept you. My site is a typical pirate adult site, and they gladly approved me.

Does BitPay allow withdrawals in fiat to a card?

Check BitPay settlements. that should answer your question. They even offer a debit card. How do you get your money out of Oxapay?

 

[Universal32]

Check BitPay settlements. that should answer your question. They even offer a debit card. How do you get your money out of Oxapay?

Just enter your wallet address and network. That's it. The withdrawal is instant.

 

[StephB]

Just enter your wallet address and network. That's it. The withdrawal is instant.

View attachment 8232

So you can only transfer to another wallet? I'm not exactly what you can call crypto-savvy. At the end of the day, I need dollars in my account. So I was looking into Coinbase Commerce, BitPay, NOWPayments, or Coingate for two reasons:

1. They supposedly have seamless credit card-to-crypto payment gateways for e-commerce, which is pretty convenient for people like me that don't have a wallet (yet), and they could simply make the purchase with their credit card. It would also greatly minimize if not eliminate the need for Stripe or PayPal.
2. Easy conversion to fiat and low cost transfers to US bank accounts.
   
   what's your workflow to get your money out if I may ask?

 

[lagloriacubana]

At the end of the day, I need dollars in my account.

@JohnnyDoe is going to get a stroke just reading this

 

[Dandyline]

Hi all,

I'd appreciate any advice you could share on the following situation.

I played the transparency card with Stripe, and it didn’t go well. My application was almost instantly rejected as they classified it as high risk—dating. I appealed, and they requested the site address for evaluation, but I’m not feeling too optimistic about it.

I’m selling an app and have built a site for it. The app itself doesn’t provide any adult content but does involve interactions with some adult cam sites. Apps like BulkImageDownloader, YTSaver, and 4kDownloader seem to get away with using Stripe and PayPal, despite their heavy scraping and content extraction practices. They get away with it because they don’t openly mention the sites they support, and major platforms like YouTube and TikTok don't seem to care either. In my case, distancing from the cam site would undermine my core value proposition—I'm actually promoting them and bringing traffic, so there’s no foreseeable friction on that front. My terms of use are solid in that regard too.

My current setup is an LLC in Delaware with a US bank account. Besides the app’s site, I have another more corporate-looking website under the company name, which doesn’t reference the app directly—I mainly used it to set up a virtual bank account. I'm not a US resident.

My plan is to create a bogus product page on the corporate website, use that as the reference in my next payment processor application, and set up the payment page on that site via the processor’s API. The idea is to redirect users from the app site to this payment page, and then redirect back once the payment is complete.

Questions:

1. Does my plan to redirect users back and forth sound too simplistic? Can I realistically get this past Stripe or PayPal with these workarounds?
2. I’m also considering integrating BitPay for business. My first impression is that their risk evaluation might be even stricter than Stripe's. Any thoughts?
3. Would another application to Stripe be even considered under the same LLC or am I flagged for eternity?
4. Any other recommendations for payment processing options?

I’m also thinking about joining the forum as a paid member if that's the best way to get valuable insights. I’m just an IT guy and, to be honest, pretty broke right now. I have this app and another one in the works, both in a bit of a gray area, and I really need to get them to market ASAP. Would joining the Mentor Group Light be worth it for me?

I don't quite understand what type of app you're offering. Avoid being too specific with Stripe, just use the corporate website to apply. Once approved, you can process payments for any website through that account. As long as your chargebacks are low and everything is legitimate, it should likely work without any problems.

 

[StephB]

@JohnnyDoe is going to get a stroke just reading this

I understand that this may sound like an uneducated statement to someone with insights into crypto. I apologize for my ignorance. I can program just about anything, but I'm a terrible businessman. And I've certainly never had to "cloak" anything in my life. What I find hard to understand is that the only helping hand and valuable feedback I received was from a non-paying member.

I sincerely hope you’re never in a situation where your world is crumbling, you need to pay bills, the irs has eaten your behind because ur accountant is a fraud, and you're desperately searching for a way out.

 

[StephB]

I don't quite understand what type of app you're offering. Avoid being too specific with Stripe, just use the corporate website to apply. Once approved, you can process payments for any website through that account. As long as your chargebacks are low and everything is legitimate, it should likely work without any problems.

Thanks for the input. I already have an appeal with them under my LLC. I made a huge mistake by being completely transparent with them. If my appeal doesn’t go well, I doubt they'll process another request under the same LLC, but I have nothing to lose by trying. I don’t have the resources to incorporate again right now and no time to produce another corporate site. So I'm looking for alternatives.

 

[lagloriacubana]

I understand that this may sound like an uneducated statement to someone with insights into crypto. I apologize for my ignorance. I can program just about anything, but I'm a terrible businessman. And I've certainly never had to "cloak" anything in my life. What I find hard to understand is that the only helping hand and valuable feedback I received was from a non-paying member.

I sincerely hope you’re never in a situation where your world is crumbling, you need to pay bills, the irs has eaten your behind because ur accountant is a fraud, and you're desperately searching for a way out.

If you upgrade you will get access to secret forums where you can openly discuss something you cannot discuss in public threads without having a legal liability for the organizers of the forum.

And there also you are going to have to read between the lines, so yeah if you need someone to type it all out then you are not going to manage cloaking things properly yourself.

Or, you can talk to some service providers here who can offer you accounts.

 

[JohnnyDoe]

@JohnnyDoe is going to get a stroke just reading this

The fiat illusion requires believers for surviving. And taxes must be aggressively collected for the illusion to exist.

 

[Dandyline]

Thanks for the input. I already have an appeal with them under my LLC. I made a huge mistake by being completely transparent with them. If my appeal doesn’t go well, I doubt they'll process another request under the same LLC, but I have nothing to lose by trying. I don’t have the resources to incorporate again right now and no time to produce another corporate site. So I'm looking for alternatives.

To incorporate again and setup a new corp site takes around 1-2 hours.

 

[diro]

I don't quite understand what type of app you're offering. Avoid being too specific with Stripe, just use the corporate website to apply. Once approved, you can process payments for any website through that account. As long as your chargebacks are low and everything is legitimate, it should likely work without any problems.

not sure if that works in real live. You say any site!!

 

[Dandyline]

not sure if that works in real live. You say any site!!

Works fine, as long as it's no blackhat sites or sites that goes against ToS.

 

[Tate]

I think you described a typical cloaking Stripe method. It would be interesting to hear the opinions of experienced users. My question is: what should I do if I have malicious actors or competitors who will report my site to Stripe, showing the entire chain from the real site to the masking site? These people will appear at some point, that’s inevitable.

Regarding BitPay - why choose it? I use Oxapay. It’s not as popular, but it allows individuals to work and supports almost any website, including adult ones. Just consider it as an option. I also like their automatic conversion to USDT and auto-withdrawal when a certain amount is reached.

The cloaking works and will always work. For bad actors reporting a payment, you can use different payment accounts, for example: one for trusted users (from typical country for example) and one for risky users.
And some other methods used by marketing cloackers...

The problem these days is not about cloaking, the problem is that Stripe is becoming aggressive like Paypal, fast ban for nothing, before you got paid if your account was banned, now bye bye your account and your money.
You have to cloack with a strong payment processor no this s**t of stripe or paypal.

 

[lagloriacubana]

You have to cloack with a strong payment processor no this s**t of stripe or paypal.

What other payment processors are we talking about here?

 

[kilor]

The problem these days is not about cloaking, the problem is that Stripe is becoming aggressive like Paypal, fast ban for nothing, before you got paid if your account was banned, now bye bye your account and your money.
You have to cloack with a strong payment processor no this s**t of stripe or paypal.

any hint's ? you can put it inside mentor group of PM me please if you don't want to post it here?