Sludge on Nootropics Source Noopept Spray

Every single product we sell is approved by our bank's underwriting and risk management team now. Every single one. Sometimes it can take them up to 6 months to approve a new product we request to start selling. We give them a packet with information on the product we want to sell, what it is, and why we think it should be allowed. They then do their own research, and come back to us with an approval/denial and reasoning. Sometimes we go back and forth with them a few times on their concerns. In some instances we get them to approve it conditionally (like limiting the amount one can buy or dosage), and sometimes they stick to their guns and say no. We are pretty good at knowing what they will and will not allow now, but they can surprise us. They have access to data from the card brands that we don't. So in some instances the reason for disapproval is stupid, but because they are at the mercy of Visa/Mastercard directives, they have to stick to their guns. It's crazy, but this is the game we have to play now to keep our banking relationships intact.

There is no master list, and things are constantly changing. So it is very hard to navigate this space. Luckily we have built up this relationship over the years, and we have a lot more leeway with our bank than most people would. 99 times out of 100 the bank will just blanket approve you for lower limits. Then when your business starts picking up, they red flag the account for an underwriting audit. Then it's up to the underwriter what is and is not allowed, and they are VERY strict. If they find one thing they are even marginally concerned about, they drop you without warning. Most times you can't even contest it. You just wake up in the morning to a call saying you have been dropped from your processing bank; and if they are nice, they give you 7-10 days to find a new one. Most times they just immediately stop your processing, though. It's literally one of the most stressful things you can imagine. To further compound this stress, there are multiple underwriting flags that come up as you increase your monthly processing amount. So the more successful you are (i.e. the more money you process in a month), the deeper the underwriting audits become. This not only includes internal banking audits, but card brand audits as well. This is why there are processing limits that banks put on you.

I am not kidding you when I say we have gone through more processors and banks than you can possibly imagine. I literally ran out of banks we could go to. I've sat in more bank lobbies in a few year period, and gotten more difficult calls in the morning, than most people do in a lifetime. We have had some very very bad days, and while we have overcome a lot, it has taken a lot out of me. I think many people here take for granted how much goes on in the background to allow them to have easy access to some of these nootropics.