High-Risk Processing Capabilities Compared
High-risk businesses are treated differently by Stripe and PayPal—whereas Stripe often just freezes accounts in prohibited industries, on its Pro plan PayPal gives much better but pricier processing support. With time, Stripe’s machine learning learns adjustments unique to each business model, thereby reducing false positives, while PayPal engages rock-solid rules that take out anything outside vanilla e-commerce. CBD merchants enjoy longer life on merchant accounts with PayPal, while digital merchants tend to play nicer with subscriptions through Stripe. Both processors usually establish rolling reserves held on high-risk accounts (5-10%), but PayPal’s 180 days of holding funds is much stricter than disproportionately gradual holds from Stripe. The chargeback protection schemes also diverge—under PayPal Seller Protection, eligible transactions are safeguarded, but Stripe provides applications like ChargebackStop through third parties.
Implementation Strategies for Each Platform
Advise a slow increase of process volume by Stripe-used clients not exceeding 20% per week so as to avoid sudden reviews. Use the negative option billing function of Stripe regarding monthly subscription payments in order to comply with such terms. PayPal always has a buffer – should acquire 25% above required funds owing to random holds. Use the Reference Transactions for recurring charges at PayPal to minimize declines. Very similar to above, high-risk merchant must use both processors signed, routing 30-40% of charges through each to cushion themselves against the probable closure of the processing account. Offshore Stripe accounts go through portals, such as Atlas, for strictly restricted business. Fees soar to 3.5% + $0.30. As always, have a backup processor built-in-both sites can suddenly take away your account with no prior notice.
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