Business New billing system seeks for testers (No Visa / MC fees and instant onboarding)

[Wtify]

Hello,

After 20+ years developing and operating billing infrastructures, I’ve recently built a new payment and settlement platform focused on European customers — including verticals often excluded by traditional processors (adult included).

This isn’t a public launch. I’m currently looking for 25–30 merchants to participate in the first beta testing phase and provide feedback on real-world usage.

⸻

⚙️ System Overview
• ⚡ Instant payments with automatic order or membership activation
• 🇪🇺 EU-focused processing (European traffic only)
• 🌍 GEO filtering — non-EU traffic can be redirected to your own checkout
• 🧾 Worldwide merchants accepted (no country restrictions)
• 🤝 Optional affiliate layer (we can manage payout logic if required)

⸻

🧩 Core Characteristics
• 🛡️ No rolling reserve
• 🚫 No chargebacks
• 💳 No Visa/Mastercard network involvement
• 💸 Daily settlements
• 🔓 No holding period — withdraw funds anytime
• ✅ Any legal business model accepted

⸻

💰 Fees
• 0.5% on all processed transactions
• €5.00 per settlement wire

⸻

🧾 Onboarding
• Activation is instant once basic KYC details are verified
• No lengthy approval process per site/service
• API and dashboard access available during beta

⸻

🏢 Compliance & Structure

The system is operated by a UK-registered company authorized to manage third-party funds, with a French branch to better support EU merchants and compliance requirements.

⸻

🧠 Participation

All verticals are welcome — SaaS, e-commerce, subscriptions, marketplaces, digital content, adult, etc.

If you’re interested in participating, please send a brief introduction and a few of your sites to:
📧 [email protected]

(Using a neutral Gmail address intentionally during the beta phase to keep the project domain private until the official announcement.)

[plsureking]

looks interesting but there's no chance you'll survive with that fee structure. everybody here has endless billing experience.

also if you aren't accepting Visa/MC why would there be fees anyway?

if you do accept cards, then you are losing money with a 0.5% fee.

#porncms

[Wtify]

Originally Posted by plsureking

looks interesting but there's no chance you'll survive with that fee structure. everybody here has endless billing experience.

also if you aren't accepting Visa/MC why would there be fees anyway?

if you do accept cards, then you are losing money with a 0.5% fee.

#porncms

It’s an alternative billing system that doesn’t rely on crypto or traditional credit/debit cards. Instead, it uses a payment method that everyone already has, fully integrated and automated.

The system is designed for European traffic for a reason. :

I was initially skeptical, but after running a test, I was genuinely surprised by the acceptance rate — it far exceeded my expectations.

Honestly, I would have gone out of business before even starting if this had been based on cards.

[fuzebox]

Recurring subscriptions supported?

[Wtify]

Originally Posted by fuzebox

Recurring subscriptions supported?

Not like with cards. Several reminders are sent X days prior the expiration date of the account but the final action has to be taken by the customer.

[INever]

Maybe set up a dummy transaction page so those interessted can see how it works.

It's EU customers ONLY, correct?

And if it's not cards, what is it?

[plsureking]

Originally Posted by fuzebox

Recurring subscriptions supported?

same as ccbill eu debit and every other eu-only payment option. dialers, pay by phone, direct debit, no rebill option.

rebills make this industry go round. that and credit cards lol

might be a decent "if all else declines" option.

#

[Wtify]

Originally Posted by INever

Maybe set up a dummy transaction page so those interessted can see how it works.

It's EU customers ONLY, correct?

And if it's not cards, what is it?

It's probably better to do a soft launch instead of seeking for testers.

Regarding the payment method, I give you an hint: it's something that everybody has, everybody can do, 99% it's free and it works only in Europe

[Wtify]

Originally Posted by plsureking

same as ccbill eu debit and every other eu-only payment option. dialers, pay by phone, direct debit, no rebill option.

rebills make this industry go round. that and credit cards lol

might be a decent "if all else declines" option.

#

While I agree with you about rebills, I think you’d also agree that an entire industry built around customers simply forgetting to cancel their memberships isn’t exactly a sustainable model.

I’ve been in the billing space for over 20 years, and lately, I’ve seen a massive increase in chargebacks. Just a few days ago, I received a batch of chargebacks from the same user — for memberships paid months ago, for services that were fully delivered (and yes, I have the logs).

The acquiring bank (which I’ll refrain from naming) not only charged the standard CB fees but also something called a “MC Scheme Fee.”
Result: around $600 lost in fees on just $150 worth of transactions.

Is that normal? I really don’t think so.
With 3DS now mandatory for every European card transaction, it’s honestly easier, faster, and safer to process instant wires instead.

[INever]

Originally Posted by Wtify

customers simply forgetting to cancel their memberships isn’t exactly a sustainable model.

Times may change but.

It did work, for 20+ years.

[plsureking]

Originally Posted by Wtify

I’ve been in the billing space for over 20 years, and lately, I’ve seen a massive increase in chargebacks. Just a few days ago, I received a batch of chargebacks from the same user — for memberships paid months ago, for services that were fully delivered (and yes, I have the logs).

The acquiring bank (which I’ll refrain from naming) not only charged the standard CB fees but also something called a “MC Scheme Fee.”
Result: around $600 lost in fees on just $150 worth of transactions.

bro if you are getting those level of cb fees, you don't need to start a new non-card biller, you need a new biller lol

you would have done better simply using CCBill.

there's no chance non-card billing is significant even in EU. its been around for decades and usage is about as low as crypto.

rebills are essential, regardless of your ethical stance.

i'm not knocking your new biz, just saying i hope you don't have Lambo dreams.




#porncms

[Wtify]

Originally Posted by plsureking

bro if you are getting those level of cb fees, you don't need to start a new non-card biller, you need a new biller lol

you would have done better simply using CCBill.

there's no chance non-card billing is significant even in EU. its been around for decades and usage is about as low as crypto.

rebills are essential, regardless of your ethical stance.

i'm not knocking your new biz, just saying i hope you don't have Lambo dreams.




#porncms

High chargeback level based on what, exactly?
We’re talking about a single user who disputed five months of recurring billing ($30 × 5 = $150). I think you might be missing a few numbers to make a proper assessment.

Rebills are essential for paysites — no question. But remember, before the rise of fan platforms, the biggest vertical was cams, and they operated without rebills.

And no, there are no “Lambo dreams” here. I simply turned a feature I originally built for my own business into a standalone service.

[fuzebox]

Originally Posted by Wtify

the biggest vertical was cams, and they operated without rebills.

The biggest ones keep card on file though.

I run both recurring sites and non-recurring (token-based) sites, and the users who forget to cancel are the ones who pay my bills

[plsureking]

Originally Posted by Wtify

High chargeback level based on what, exactly?
We’re talking about a single user who disputed five months of recurring billing ($30 × 5 = $150). I think you might be missing a few numbers to make a proper assessment.

i said fees, not volume. not all billers/banks fuck you with cb fees like that.

i think you built a solution that doesn't solve your problem.

good luck tho. i'm done bumping lol

#

[SpicyM]

SEPA transfer?

[SpicyM]

Originally Posted by plsureking

there's no chance non-card billing is significant even in EU. its been around for decades and usage is about as low as crypto.

For decades? Not at all.

Offering instant SEPA transfers is mandatory for all banks in EU only since Oct 2025.

As of 2024, not all banks offer their customers instant transfers; however, in March 2024 the EU adopted the Instant Payments Regulation which requires all banks to offer instant transfers from January 2025 (incoming transfers) / October 2025 (outgoing transfers).

https://en.wikipedia.org/wiki/Single_Euro_Payments_Area

[Wtify]

Originally Posted by SpicyM

SEPA transfer?

Instant SEPA transfer automatically accounted and membership / good immediately shipped/delivered


No transaction cost, no CB, no fraud, nothing.

[Publisher Bucks]

Could also be BACS in the UK and SEPA.

A good system for physical or one-time digital products, not so much recurring memberships.

[Wtify]

Originally Posted by Publisher Bucks

Could also be BACS in the UK and SEPA.

A good system for physical or one-time digital products, not so much recurring memberships.

Being the main company in UK, it's fully supported.

And yes, I agree about being good for one-time. In fact it's an alternative payment method.