The Ultimate High-Risk Payment Gateway Alternative to PayPal, Stripe, and PayCly
🚀 CODARAB PAY Slashed Chargebacks by 70% | Best High-Risk Payment Processor for WooCommerce
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Discover how CODARAB PAY reduced chargebacks by 70% for high-risk businesses with instant payouts, stealth PayPal integration, and Stripe alternatives.
The Chargeback Crisis in High-Risk Industries
High-risk industries like CBD, gaming, and digital services face crippling chargeback rates, often exceeding 5% (vs. the 0.5% e-commerce average, per Chargebacks911). For one CBD merchant, chargebacks reached 12% monthly, risking PayPal account suspensions and Stripe bans despite valid documentation.
The Solution?
CODARAB PAY – a WooCommerce plugin designed to:
- ✅ Reduce chargebacks by disabling high-risk PayPal payments.
- ✅ Enable instant payouts via cards, Apple Pay, and local methods.
- ✅ Mask transaction details to protect vendor policies.
Case Study: Cutting Chargebacks by 70%
The Challenge
A CBD store using PayPal Standard faced:
- 12% chargeback rate due to PayPal’s buyer-friendly disputes.
- Stripe account bans despite submitting compliance documents.
- Revenue loss from delayed payouts and refunded transactions.
The Solution: CODARAB PAY Plugin
The merchant:
- Disabled PayPal in CODARAB’s settings, allowing only card/local payments.
- Masked transaction details, replacing item names with order numbers (e.g., Order#12345).
- Connected a personal PayPal account (no business account required) for backup.
Results in 90 Days
- 🔻 Chargebacks dropped to 3.6% (70% reduction).
- 💸 Instant payouts improved cash flow.
- 🛡️ Zero Stripe/PayPal suspensions thanks to stealth transaction masking.
Image: Chargeback rates before/after CODARAB PAY implementation.
Why CODARAB PAY is the Best High-Risk Payment Gateway
1. Instant Payouts for Vendor Satisfaction
- Funds settle immediately via card, Apple Pay, or local methods – no 3-5 day delays.
- Avoid Stripe’s “rolling reserves” that lock up 5-10% of revenue (Stripe Reserve Policy).
2. Stealth PayPal Integration
- Hide sensitive details like product names and URLs in PayPal receipts.
- Use personal or business accounts without triggering PayPal’s high-risk flags.
3. Eliminate Stripe Account Bans
- Stripe closes accounts for “excessive chargebacks” even after shipping goods (Stripe Restricted Businesses).
- CODARAB PAY bypasses Stripe bans with direct card processing.
4. Flexible Payment Options
- Disable PayPal entirely to avoid chargeback-prone buyers.
- Accept cards, digital wallets, and regional methods (e.g., Alipay, Sofort).
Technical Advantages of CODARAB PAY
- WooCommerce Native Integration:phpCopyclass WC_codarab_rest_api_Gateway extends WC_Payment_Gateway { // Built for seamless WooCommerce compatibility }
- PCI-DSS Compliant: Redirects payments to reduce compliance scope (PCI Security Standards).
- Auto-Sync Order Statuses: REST API endpoints update orders in real time.
CODARAB PAY vs. Alternatives
| Feature | CODARAB PAY | PayPal | Stripe |
|---|---|---|---|
| Chargeback Protection | ✅ Custom rules | ❌ Buyer-biased | ❌ Account bans |
| Payout Speed | Instant | 3-5 days | 2-7 days |
| High-Risk Friendly | ✅ CBD, gaming, etc. | ❌ Restricted | ❌ Restricted |
| Transaction Masking | ✅ Order numbers | ❌ Item names | ❌ Item names |
How to Set Up CODARAB PAY
- Install the Plugin: Upload to WooCommerce (no coding required).
- Disable PayPal: Toggle off PayPal in settings to block high-risk users.
- Enable Card Payments: Activate instant card processing.
- Mask Transactions: Replace item names with order IDs.
Download Plugin | View Documentation
Why High-Risk Businesses Trust CODARAB PAY
- No Stripe Account Churn: Stop reapplying after bans.
- No PayPal Chargeback Spam: Block disputed transactions at the source.
- Global Compliance: Meets GDPR, PSD2, and regional regulations.
Industry Recognition:
CODARAB PAY is endorsed by High-Risk Experts as the #1 PayPal alternative for restricted industries.
Conclusion
For high-risk businesses, CODARAB PAY isn’t just a plugin – it’s a lifeline. With 70% fewer chargebacks, instant payouts, and stealth PayPal masking, it outperforms Stripe, PayPal, and PayCly.
Ready to Secure Your Revenue?
Get CODARAB PAY Now 🔒
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