Industry-Specific Replacements
When Stripe denies your business line, you’ll have some targeted alternatives. CBD merchants head for PaymentCloud or GreenBox, adult content merchants to CCBill or Epoch, and gambling websites to Neteller or Skrill. The same developer-friendly APIs are used with proper industry underwriting. For instance, a high-risk processor, Durango, offers Stripe-like webhooks and documentation, but its actual business is with firearms and debt collection. The offshore alternatives, headed by 2Checkout (now Verifone), operate with these prohibited digital goods in over 200 countries. The different technical migration means that some processors have Stripe-compatible APIs that minimize code changes, while other processors mandate full rebuilds based on their SDKs.
Transition Strategies
Cautiously migrate 20 percent of transactions to the new processor while monitoring performance along with running processors in parallel. Migrate tokens in order to keep customer payment methods when switching. Rolling reserves (5-10 percent with 180 days) and higher fees (3.5-6 percent vs. Stripe’s 2.9 percent) expected. Most high-risk processors in our tests are reported to average around 600-800 ms, while Stripe’s response time of 300 ms could be slower. Always have a backup processor available, because specialized providers can also shift their acceptable use policies at any time. These kinds of companies with ‘prohibited’ items may want to investigate “white label” solutions such as PayKickstart because it hides your industry while putting a layer on top of Stripe.
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