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USA Payments

Guides and playbooks for USA payments—built for high-risk merchants (iGaming/sports fantasy where permitted, FX/CFD, crypto/VASP, adult, nutraceuticals, subscriptions, travel). We cover card acquiring (auth → clearing → settlement, MCC/MIDs, network tokens, chargebacks), ACH/eCheck (WEB debits, account validation, returns), real-time rails (RTP and FedNow), open banking/bank-account verification, and major APMs (Apple Pay, PayPal, wallets). Expect practical advice on approval-rate uplift (local US routing, smart retries/cascading), fraud/chargeback controls, 3DS usage (optional in the US), KYC/KYB & AML/KYT, sanctions screening, and compliance with PCI DSS, Reg E (error resolution for EFT), FinCEN MSB rules and state MTL licensing (when applicable). We also include payout rails (ACH, wires, RTP), reconciliation/webhooks, tax/VAT basics for cross-border US sales, and vendor selection tips.

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ACH recurring adult subscriptions: Nacha-friendly flows, lower fees, fewer declines

Illustration of ACH recurring payments for adult subscriptions in the USA with a recurring cycle, bank transfer icons
Adult, Dating Payment Insights, USA Payments /

For adult and dating merchants in the U.S., card acquiring is usually the primary rail—but ACH recurring adult subscriptions can be a smart secondary rail for certain segments: lower fees, fewer “card expired” failures, and sometimes better long-term retention.

The key is doing it in a Nacha-friendly way, with clear authorization language, mandate storage, and returns management.

ACH recurring adult subscriptions: Nacha-friendly flows, lower fees, fewer declines Read More »

Chargeback ratio adult industry: drivers, benchmarks, and prevention playbooks

Diagram illustrating chargeback ratio in adult and dating payments with prevention icons for refunds, descriptors, fraud, and protection
Adult, Dating Payment Insights, USA Payments /

In adult and online dating, chargebacks are not just “a cost.” They directly impact MID stability, reserves, approval rates, and whether acquirers will keep you live. Card network acquirers and merchants to implement stronger controls—Visa VAMP unifies key fraud + dispute signals into a single ratio, and Mastercard monitors excessive chargebacks at MID level. This guide explains what actually drives chargeback ratio in adult/dating industry and how to reduce them without killing conversion.

Chargeback ratio adult industry: drivers, benchmarks, and prevention playbooks Read More »

Dating Payment Processing USA (Legal Businesses)

Illustration of adult and dating payment processing in the USA, showing compliance, secure payments, and subscription billing
Adult, Dating Payment Insights, USA Payments /

If you run a legal adult or online dating business and need Dating Payment Processing USA especially U.S. domestic acquiring, you’re in a different category than standard e-commerce. Mainstream PSPs may work at launch, but many merchants eventually face reviews, restrictions, or shutdowns—especially with subscriptions.

This page is your U.S. entry point: what U.S. acquirers typically require, how to prepare your underwriting pack, and how to build a backup plan that keeps you live.

Dating Payment Processing USA (Legal Businesses) Read More »

PayPal card processing USA: cards-only setup for EU projects, requirements, limits, and how to Improve US authorization rate

diagram: EU project → cards-only via PayPal (word in italics, not a logo) → US map; AVS/3-D Secure, BIN routing USA, approval
USA Payments /

Scope. This guide covers accepting cards via PayPal only (no wallets) for EU-registered projects selling to US payers. You’ll learn what the setup is, what PayPal and partners check, which industries it fits, and how to squeeze more approvals with smart retry logic US issuers and hygiene. So, you will learn about PayPal card processing USA.

PayPal card processing USA: cards-only setup for EU projects, requirements, limits, and how to Improve US authorization rate Read More »

Cross-border declines US cards: causes, fixes, and routing that actually works

flowchart: US card → EU acquirer (cross-border, X) vs US acquirer (domestic, ✓); AVS ZIP, retry logic, Pay by Bank (Plaid/ACH).
Global Payment Acceptance, USA Payments /

A European online project gets a rush of US buyers… and approvals sag, i.e. cross-border declines US cards: causes, fixes, and routing that actually works. That’s the classic cross-border decline pattern: the issuer sees “US cardholder → non-US merchant/acquirer,” becomes stricter, and says no. The cure isn’t one trick—it’s better data, smarter retry logic US issuers, and (when warranted) local routes or US-native rails.

Cross-border declines US cards: causes, fixes, and routing that actually works Read More »

Stripe Payments Company — Not Suited for iGaming? Here’s What You Should Know

Illustration of Stripe Payments Company alternatives for gambling and iGaming with roulette, credit card, consultant, and smartphone
Consulting and Support Services, EU EEA Payment Processing, iGaming Payment Insights, Industry-Specific Payment Solutions, USA Payments /

Many businesses start out searching for a Stripe payments company, hoping to plug in a sleek solution and start processing transactions immediately. But for gambling, betting, and iGaming operators—especially in Europe, the United States, and Turkey—the reality is more complex. Stripe does not support high-risk industries, and iGaming businesses must turn to more specialized payment methods and partners.

Stripe Payments Company — Not Suited for iGaming? Here’s What You Should Know Read More »

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