NodeBB

<p>Due to the increasing number of credit card fraud incidents, we have experienced significant losses. For each fraudulent chargeback, we not only lose the original payment amount, but our previous payment provider <a target="_blank" rel="noopener noreferrer nofollow" href="http://Creem.io"><strong>Creem.io</strong></a> also charges us an additional <strong>$25 chargeback fee per disputed order</strong>.</p><p></p><p>To improve payment stability and reduce payment risks, we have removed the previous direct credit card payment channel provided through <a target="_blank" rel="noopener noreferrer nofollow" href="http://Creem.io">Creem.io</a> and migrated to a new <strong>On-RAMP based payment architecture powered by Rampex</strong>.</p><p></p><h2><strong>About the new payment architecture</strong></h2><p>On-RAMP is not a single payment provider, but a modern payment routing architecture. Instead of relying on one fixed payment channel, it connects multiple payment providers and intelligently routes payment requests through suitable channels.</p><p>Through Rampex, our system can access multiple payment providers and payment methods, improving payment availability and reducing dependency on a single provider.</p><p></p><p>The payment flow is:</p><p><strong>Customer → Rampex payment gateway → Suitable payment provider → Credit card payment completion</strong></p><p></p><p>This architecture provides better flexibility, availability, and risk management compared with a single direct payment channel.</p><p></p><h2><strong>Payment Requirements and Fees</strong></h2><p>Due to compliance requirements, users may need to complete <strong>KYC verification with the payment provider</strong> before completing a transaction.</p><p>The current credit card processing fee is:</p><p><strong>5% + $0.40 USD per transaction</strong></p><p></p><hr><p></p><h2><strong>Important Notes</strong></h2><p>This credit card payment method is mainly intended for users who cannot use:</p><ul><li><p>Local currency payment methods</p></li><li><p>Cryptocurrency payment</p></li><li><p></p></li></ul><p>Compared with cryptocurrency payment, credit card payments have:</p><ul><li><p>Higher processing fees</p></li><li><p>More complicated payment procedures</p></li><li><p>Possible identity verification requirements</p></li><li><p></p></li></ul><p>Therefore, we still recommend <strong>cryptocurrency payment</strong> whenever possible.</p><p></p><p>Cryptocurrency is now widely available in most countries. Users can easily purchase crypto through exchanges such as Coinbase, Binance, and other local platforms.</p><p></p><p>For crypto payments, we provide an additional <strong>3%–5% discount on every order</strong>, making it the most cost-effective payment method.</p><p></p><p>Thank you for your understanding and continued support. We will continue improving our payment infrastructure to provide safer and more reliable payment options.</p>

<p>Due to the increasing number of credit card fraud incidents, we have suffered significant losses from fraudulent transactions. For each chargeback, we not only lose the original payment amount, but our previous payment provider <a target="_blank" rel="noopener noreferrer nofollow" href="http://Creem.io">Creem.io</a> also charges us an additional $25 penalty per chargeback order.</p><p></p><p>To improve payment security and maintain long-term service stability, we have removed the previous direct credit card payment channel provided through <a target="_blank" rel="noopener noreferrer nofollow" href="http://Creem.io">Creem.io</a> and switched to a new credit card payment solution powered by On-RAMP.</p><p></p><p><strong>How the new On-RAMP payment method works</strong></p><p></p><p>Unlike traditional direct merchant card payments, On-RAMP providers act as regulated payment intermediaries. During payment, users complete the transaction through the On-RAMP platform, which handles payment processing, compliance checks, and risk control procedures.</p><p></p><p>Because of compliance requirements, users may need to complete KYC verification with the payment provider before completing the transaction.</p><p></p><p>The current processing fee for credit card payments is:</p><p><strong>5% + $0.40 USD per transaction</strong></p><p></p><p></p><p><strong>Important Notes</strong></p><p></p><p>This payment method is mainly provided for users who are unable to use local currency payments or cryptocurrency payments.</p><p></p><p>Compared with other payment methods, credit card payments through On-RAMP have:</p><p>A more complicated payment process</p><p>Higher transaction fees</p><p>Additional identity verification requirements</p><p></p><p>Therefore, we recommend using cryptocurrency payment whenever possible.</p><p></p><p>Cryptocurrency is now easily available in most countries. Users can purchase cryptocurrency through major exchanges and complete payments quickly with lower costs.</p><p></p><p>For cryptocurrency payments, we provide an additional 3%–5% discount on every order, making it the most cost-effective payment option.</p><p></p><p>Thank you for your understanding and support. We will continue improving our payment infrastructure to provide safer and more reliable service.</p>