You've probably experienced this: You set up a Stripe or PayPal account, start processing payments, and everything seems fine. Then one day — with no warning — your funds are frozen, your account is terminated, and you're left scrambling to find an alternative while your customers can't check out.
This happens because most payment processors use automated systems that flag anything outside "normal" retail as high-risk. Subscriptions, digital products, supplements, coaching, SaaS with high-ticket prices — all of these can trigger account reviews or terminations.
ecom payouts exists to solve this problem. We work exclusively with businesses that need more than what Stripe and PayPal can offer.
Why Traditional Payment Processors Fail Growing Businesses
The Stripe/PayPal Problem
These platforms are designed for low-risk, low-volume businesses. The moment you scale, sell something outside their comfort zone, or have a few chargebacks, you're at risk of losing everything — including your revenue sitting in their accounts.
Common reasons businesses get shut down:
- Selling supplements, wellness products, or anything health-related
- Running subscription or recurring billing models
- High average order values ($200+)
- Digital products, coaching, or information products
- International sales or multi-currency transactions
- Chargeback rates above 0.5% (which is extremely low)
- Rapid growth that triggers fraud detection algorithms
