High-Risk Payment Processing Expert Needed (Foreign-Owned US Business / Restricted Category)

## Summary We are looking for an experienced high-risk payment processing consultant with direct relationships with payment processors, ISOs, acquirers, or merchant account providers to help us secure a reliable long-term credit card processing solution. This is not a generic recommendation request. We have already spoken with multiple processors, brokers, and intermediaries, and are specifically looking for someone with real placement experience, underwriting knowledge, and practical execution capability. ## Business Context We operate a social discovery platform that helps users connect with people worldwide, make friends, and interact online. Payment processors commonly classify this business model under categories such as: matchmaking / online dating / user-to-user interaction The business is already operational and revenue-generating, with: - $8.5k+ MRR - 5+ months of payment processing history with Stripe - only 2 disputes / chargebacks so far The company is US-registered, but the founder is an international (non-US) resident, which has created underwriting friction with some providers. We have also contacted multiple processors and brokers, so we are not looking for recycled generic recommendations. Providers Already Contacted- CCBill, Epoch, High Risk Pay, Upgate, Paddle, Authorize.net, 2Checkout, SegPay ## What We Need We need someone who can: - identify realistic merchant account / payment processor options for our business model - work with processors or acquirers comfortable with foreign-owned US businesses - assess realistic approval paths instead of generic recommendations - advise on underwriting strategy and approval positioning - review our website / business presentation / risk positioning if needed - help improve approval odds - recommend backup processor or multi-MID strategies if appropriate - provide direct introductions to processor reps, ISOs, PSPs, or acquiring partners where relevant - handle onboarding end-to-end This may include: processor sourcing, underwriting preparation, application assistance, compliance / risk presentation guidance, coordination with processor onboarding teams, helping drive approval through completion, gateway / integration guidance if needed ## Requirements Please apply only if you have: - proven experience placing high-risk online businesses - direct relationships with payment processors / ISOs / acquirers - underwriting knowledge for higher-risk categories - experience with foreign-owned US companies or international founders - practical execution capability (not advisory-only consulting) ## Nice to Have Experience with: - social discovery / matchmaking / dating platforms - subscription billing businesses - offshore merchant accounts - multi-processor setups - backup payment routing - chargeback prevention / fraud tooling - Stripe migration or backup processor strategy ## Not a Fit If Please do not apply if you: - only plan to suggest obvious mainstream providers - do not have direct processor relationships - cannot assist beyond general consulting advice - have no real placement experience with higher-risk categories ## To Apply Please include: 1. Similar businesses you have successfully placed 2. Processors / acquirers / PSPs you work with 3. Whether you have direct relationships with those providers 4. Your proposed approach for this specific case 5. Whether you can handle onboarding end-to-end 6. Expected timeline 7. Your consulting fees / terms