请问HN：有没有人有关于高风险支付处理器的经验？
你好；我是一名独立开发者，正在运营一个小型在线服务。由于我的使用场景不适合Stripe和PayPal，我正在考虑高风险支付处理器或高风险商户账户。
如果你之前使用过这类服务，能否分享一下实际体验：
- 你在入驻和审批过程中花了多长时间？
- 他们要求提供哪些额外文件，审核的严格程度如何？
- 你实际支付了哪些费用（设置费用、月费、处理费百分比、预留金、滚动预留）？
- 他们是否经常冻结资金或导致现金流问题？
- 在签约之前，有没有什么红旗是你希望知道的？
另外，如果你认为这是一个不适合独立开发者的计划，你会选择什么替代方案？
如果你能推荐一些你信任的服务提供商，那将非常有帮助。
谢谢！
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Hi; I am a solo developer running a small online service. Stripe and PayPal are not an option for my use case, so I am considering a high risk payment processor or a high risk merchant account.<p>If you have used one before, can you share how it went in practice<p>-How long did onboarding and approval take for you<p>-What extra documents did they ask for, and how strict was the review<p>-What fees did you actually pay (setup fees, monthly fees, processing percent, reserves, rolling reserve)<p>-Did they hold funds often or cause cash flow issues<p>-Any red flags you wish you knew before signing<p>Also, if you think this is a bad plan for a solo dev, what would you do instead<p>If you can recommend a few providers you trust, that would help a lot.
Thanks