Email Archive

Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective)

Score 0.890 · Account tjphuhs@gmail.com · 3/21/2026, 7:54:46 AM

Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective) from derekpruski@substack.com on 2026-03-21T11:54:46.000Z No idea if we’ll ever see it. Today I got an email from the other saying they’re having issues too and to stop processing. They’re holding $290,000. So in less than six months of business, we have $554,000 held by processors, another $290,000 held in bank reserves, and likely another $500,000 sitting in standard 3–7 day payout holds. We’re looking at close

Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective)

Score 0.875 · Account tjphuhs@gmail.com · 3/21/2026, 7:54:46 AM

Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective) from derekpruski@substack.com on 2026-03-21T11:54:46.000Z View this post on the web at https://derekpruski.substack.com/p/why-payment-processing-is-destroying One of the vendors in this space reached out to me and asked me to share this anonymously. I think it’s important context for everyone here — especially when you see vendors struggling with payment options or going dark unexpectedly. This is a direct messag

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective)

Score 0.848 · Account tjphuhs@gmail.com · 3/21/2026, 1:06:27 PM

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective) from tjphuhs@gmail.com on 2026-03-21T17:06:27.000Z to $1.5 million dollars in limbo — and we’re not sure if we’ll ever see most of it. > Just another day as a vendor in this space. It isn’t for the weak.” > I wanted to share this because a lot of you have asked why certain vendors don’t always have card processing available, or why payment options change without much warning. This is why. It’s not mismanagem

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective)

Score 0.848 · Account oc.tjphuhs@gmail.com · 3/21/2026, 1:06:27 PM

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective) from tjphuhs@gmail.com on 2026-03-21T17:06:27.000Z to $1.5 million dollars in limbo — and we’re not sure if we’ll ever see most of it. > Just another day as a vendor in this space. It isn’t for the weak.” > I wanted to share this because a lot of you have asked why certain vendors don’t always have card processing available, or why payment options change without much warning. This is why. It’s not mismanagem

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective)

Score 0.836 · Account oc.tjphuhs@gmail.com · 3/21/2026, 1:06:27 PM

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective) from tjphuhs@gmail.com on 2026-03-21T17:06:27.000Z ---------- Forwarded message ---------- From: Derek from Peptide Price <derekpruski@substack.com> Date: Mar 21, 2026 at 7:54 AM -0400 To: tjphuhs@gmail.com Subject: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective) > One of the vendors in this space reached out to me and asked me to share this anonymously. > ͏ ­͏ ­͏ ­͏ ­͏ ­͏

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective)

Score 0.836 · Account tjphuhs@gmail.com · 3/21/2026, 1:06:27 PM

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective) from tjphuhs@gmail.com on 2026-03-21T17:06:27.000Z ---------- Forwarded message ---------- From: Derek from Peptide Price <derekpruski@substack.com> Date: Mar 21, 2026 at 7:54 AM -0400 To: tjphuhs@gmail.com Subject: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective) > One of the vendors in this space reached out to me and asked me to share this anonymously. > ͏ ­͏ ­͏ ­͏ ­͏ ­͏

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective)

Score 0.831 · Account tjphuhs@gmail.com · 3/21/2026, 1:06:27 PM

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective) from tjphuhs@gmail.com on 2026-03-21T17:06:27.000Z how insane payment processing is in this industry and why we sincerely appreciate when you all choose ACH, debit, or Zelle-type payments. > I’m in an online group with around 20 peptide vendors — some smaller than us, some larger, but a good mix across the board. > We’re less than a year old in this space, but not new to ecommerce by any means. We’ve run and

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective)

Score 0.831 · Account oc.tjphuhs@gmail.com · 3/21/2026, 1:06:27 PM

Fwd: Why Payment Processing Is Destroying Vendors in This Space (A Vendor’s Perspective) from tjphuhs@gmail.com on 2026-03-21T17:06:27.000Z how insane payment processing is in this industry and why we sincerely appreciate when you all choose ACH, debit, or Zelle-type payments. > I’m in an online group with around 20 peptide vendors — some smaller than us, some larger, but a good mix across the board. > We’re less than a year old in this space, but not new to ecommerce by any means. We’ve run and

If Your Favorite Vendor Has Been Quiet on Sales Lately, Here's What You Should Know

Score 0.787 · Account tjphuhs@gmail.com · 3/16/2026, 10:10:54 PM

If Your Favorite Vendor Has Been Quiet on Sales Lately, Here's What You Should Know from derekpruski@substack.com on 2026-03-17T02:10:54.000Z View this post on the web at https://derekpruski.substack.com/p/if-your-favorite-vendor-has-been Been on the phone a lot this week with vendors, and I want to give you some real context on what’s happening behind the scenes in the research space right now. If you’ve noticed that some of your usual vendors aren’t running sales as aggressively as they typica

What’s new on peptideprice: payment filters and sterility testing tiers

Score 0.651 · Account tjphuhs@gmail.com · 5/10/2026, 6:08:49 PM

What’s new on peptideprice: payment filters and sterility testing tiers from derekpruski@substack.com on 2026-05-10T22:08:49.000Z View this post on the web at https://derekpruski.substack.com/p/whats-new-on-peptideprice-payment A weekend of updates to make vendor comparison faster and more accurate. Spent this weekend pushing a round of updates to peptideprice.store [ https://substack.com/redirect/f76f57e4-54d0-49b1-9ca5-4e6208a623c9?j=eyJ1IjoiNGl3b2U2In0.sVDxRtmZ85v8kfdamY0krRXGMy3p768BWtuZifRB

Research Radar Ep. 1: Payments, Peptides & Proper Testing

Score 0.635 · Account tjphuhs@gmail.com · 4/3/2026, 10:19:48 AM

Research Radar Ep. 1: Payments, Peptides & Proper Testing from derekpruski@substack.com on 2026-04-03T14:19:48.000Z View this post on the web at https://derekpruski.substack.com/p/research-radar-ep-1-payments-peptides Topic 1: Payment processing in the research space One of the most persistent behind-the-scenes headaches for research companies right now is payment processing. Vendors have been cycling through as many as seven different processors trying to find one that’s both reliable and will

How Stripe Detects Fraudulent Transactions Within 100 ms

Score 0.631 · Account tjphuhs@gmail.com · 4/27/2026, 11:03:53 PM

How Stripe Detects Fraudulent Transactions Within 100 ms from bytebytego@substack.com on 2026-04-28T03:03:53.000Z in block rate for smaller businesses, which would be disruptive for those merchants and their customers. Before releasing any model, Stripe measures the change it would cause to the false positive rate, block rate, and authorization rate on both an aggregate and per-merchant basis. If a model would cause undesirable shifts for certain users, they adjust it for those segments before r

Peptira’s New Labels Just Dropped — Plus Up to 30% Off Right Now

Score 0.630 · Account tjphuhs@gmail.com · 3/28/2026, 12:38:44 PM

Peptira’s New Labels Just Dropped — Plus Up to 30% Off Right Now from derekpruski@substack.com on 2026-03-28T16:38:44.000Z View this post on the web at https://derekpruski.substack.com/p/peptiras-new-labels-just-dropped Full unboxing video below. Peptira rolled out new labels and they look sharp. Before we get into the sale details, watch the unboxing: The Sale Payment processing has been a mess across the research space lately. The pattern is the same everywhere: a vendor adds a new processor,

How Stripe Detects Fraudulent Transactions Within 100 ms

Score 0.627 · Account tjphuhs@gmail.com · 4/27/2026, 11:03:53 PM

How Stripe Detects Fraudulent Transactions Within 100 ms from bytebytego@substack.com on 2026-04-28T03:03:53.000Z and chargeback fees, a single fraudulent transaction can wipe out the profit from nearly 19 legitimate ones. For this business, aggressive blocking makes sense because the cost of missed fraud is devastating. On the other hand, a SaaS company with high margins faces the opposite calculation. The lifetime revenue lost by blocking a legitimate subscriber who would have paid $200 per mo

How Stripe Detects Fraudulent Transactions Within 100 ms

Score 0.626 · Account tjphuhs@gmail.com · 4/27/2026, 11:03:53 PM

How Stripe Detects Fraudulent Transactions Within 100 ms from bytebytego@substack.com on 2026-04-28T03:03:53.000Z or an unusually high number of names linked to a card. It includes a location map showing distances between the billing address, shipping address, and IP address. It shows customer metadata like email, cardholder name, and the authorization rate for transactions associated with that email. See the diagram below: Stripe also uses Elasticsearch, a search engine optimized for fast looku

How Stripe Detects Fraudulent Transactions Within 100 ms

Score 0.624 · Account tjphuhs@gmail.com · 4/27/2026, 11:03:53 PM

How Stripe Detects Fraudulent Transactions Within 100 ms from bytebytego@substack.com on 2026-04-28T03:03:53.000Z overnight jobs could now run multiple times in a single working day. Stripe is now exploring techniques that this architectural shift made possible, including multi-task learning, where a single model is trained to handle several related objectives simultaneously. [Live on May 6] Stop babysitting your agents (Sponsored) [ https://substack.com/redirect/a95b6182-9924-4322-9ece-ce3923bf

How Stripe Detects Fraudulent Transactions Within 100 ms

Score 0.615 · Account tjphuhs@gmail.com · 4/27/2026, 11:03:53 PM

How Stripe Detects Fraudulent Transactions Within 100 ms from bytebytego@substack.com on 2026-04-28T03:03:53.000Z merchants and regions behave similarly, then applies fraud knowledge across the entire network. Stripe also found that scaling up training data continued to yield significant gains. A 10x increase in training transaction data still produced meaningful model improvements, and the team was working on a 100x version. This kind of scaling was only feasible because the DNN-only architectu

AI Tollgates Could Kill the SaaS Seat Model Forever

Score 0.599 · Account tjphuhs@gmail.com · 5/14/2026, 2:00:41 PM

AI Tollgates Could Kill the SaaS Seat Model Forever from techscoop@substack.com on 2026-05-14T18:00:41.000Z handled by 50 employees supported by intelligent AI agents. The company would still rely heavily on the software platform. In fact, the platform might process more activity than ever before. But the vendor could end up selling far fewer user licenses. For SaaS companies, that creates a dangerous possibility: declining seat revenue despite growing platform usage. And that is exactly why ent

WEGOVY Price Drop Exposes a Bigger Problem

Score 0.599 · Account tjphuhs@gmail.com · 3/31/2026, 6:31:57 PM

WEGOVY Price Drop Exposes a Bigger Problem from onthepen@substack.com on 2026-03-31T22:31:57.000Z View this post on the web at https://onthepen.substack.com/p/wegovy-price-drop-exposes-a-bigger A surprising move for Wegovy pricing has Dave thinking we need to pause and remember where we were a year ago. He addresses the growing divide between traditional healthcare and the rise of telehealth, compounding, and alternative access paths, and why more patients are turning to them. Plus, there’s a lo

Re:

Score 0.598 · Account tjphuhs@gmail.com · 2/12/2026, 8:06:19 AM

Re: from sophiechloe404@gmail.com on 2026-02-12T13:06:19.000Z banks and payment processors and >>> banks don’t want to be associated. Do you have a service you prefer >>> between cashapp or Venmo? >>> >>> >>> On Feb 12, 2026, at 6:29 AM, velvetlatte <sophiechloe404@gmail.com> >>> wrote: >>> >>> >>> >>> Wait why is that? Why can’t we just send you the payment via Cashapp or >>> something like that? >>> >>> On Wed, Feb 11, 2026 at 11:25 PM TJ Bourdeau <tjphuhs@gmail.com> wrote: >>> >>>> Yeah you w

Insufficient money in your bank

Score 0.597 · Account tjphuhs@gmail.com · 5/8/2026, 8:21:22 PM

Insufficient money in your bank from service@paypal.com on 2026-05-09T00:21:22.000Z Insufficient money in your bank Timothy Bourdeau, this is about your payment to Apple Services. Hello, Timothy Bourdeau About your payment to Apple Services There wasn't enough money in your bank account ending in **53 to cover the following payment: Transaction Details Payment Recipient Apple Services Recipient’s Email http://itunes.com/bill Your Transaction ID 3S530929K2366200M Transaction Date April 29, 2026 T

Introducing Peptidology: Testing Taken To A New Level

Score 0.596 · Account tjphuhs@gmail.com · 3/24/2026, 11:15:15 AM

Introducing Peptidology: Testing Taken To A New Level from derekpruski@substack.com on 2026-03-24T15:15:15.000Z sold. They’re spending over $2,000 in testing per batch, and for future batches they’re sending in up to 20 vials for sterility testing alone. That’s not a vendor cutting corners to move product fast. That’s a vendor that’s built their entire operation around getting it right. Code DEREK is live at Peptidology for 15% off. https://peptidology.co/?ref=mxxyvdne [ https://substack.com/red

Re:

Score 0.594 · Account tjphuhs@gmail.com · 2/12/2026, 8:10:46 AM

Re: from tjphuhs@gmail.com on 2026-02-12T13:10:46.000Z we are doing banks and payment processors and banks don’t want to be associated. Do you have a service you prefer between cashapp or Venmo? On Feb 12, 2026, at 6:29 AM, velvetlatte < sophiechloe404@gmail.com > wrote: Wait why is that? Why can’t we just send you the payment via Cashapp or something like that? On Wed, Feb 11, 2026 at 11:25 PM TJ Bourdeau < tjphuhs@gmail.com > wrote: Yeah you will use a fresh syringe each time. 1 for sterility.

How Pinterest Built a Production MCP Ecosystem

Score 0.594 · Account tjphuhs@gmail.com · 5/11/2026, 11:31:17 AM

How Pinterest Built a Production MCP Ecosystem from bytebytego@substack.com on 2026-05-11T15:31:17.000Z View this post on the web at https://blog.bytebytego.com/p/how-pinterest-built-a-production Agents need context. Ship the integrations that give it to them. (Sponsored) [ https://substack.com/redirect/87dc365a-cf87-4640-8889-81a07e071928?j=eyJ1IjoiNGl3b2U2In0.sVDxRtmZ85v8kfdamY0krRXGMy3p768BWtuZifRB-Zs ] The context that actually matters isn't in your database. It's in the tools your users liv

Reminder: Insufficient money in your bank

Score 0.593 · Account tjphuhs@gmail.com · 5/14/2026, 2:31:51 AM

Reminder: Insufficient money in your bank from service@paypal.com on 2026-05-14T06:31:51.000Z Reminder: Insufficient money in your bank Timothy Bourdeau, this is about your payment to Apple Services. Hello, Timothy Bourdeau About your payment to Apple Services As informed in an earlier email, there wasn't enough money in your bank account ending in **53 to cover the following payment: Transaction Details Payment Recipient Apple Services Recipient’s Email http://itunes.com/bill Your Transaction I