Payment processor cloaking · done-for-you

Payment processor cloaking,
built by hand,
on your stack.

Stores in gray verticals lose payment processing on a regular basis. The fix isn't another VCC trick or another shell account. I set up cloaking on your stack so your processor keeps approving your charges and your store keeps selling. Stripe is the primary case I handle, but the same approach works for whatever processor you're stuck with.

Message @lucimornens on Telegram See what's included →
What I do

A working payments setup on your store, built by hand.

No plugin to install. No dashboard to log into. No keys you have to paste somewhere weird. One operator who has done this enough times to know where the failure points are, and who you can reach on Telegram when the next review email shows up.

Payment cloaking, built on your stack

Your selling site stays the way it already looks. The processor side gets handled cleanly. Money lands where it should. The whole thing is configured on your actual infrastructure, not a shared platform you depend on.

Hardened against review

The setup is built to survive both the automated risk scoring most processors run on every merchant and the manual reviews that follow flagged signals. Hardening details are part of what you pay for, not something I publish.

Any stack you actually run

WooCommerce, Shopify (custom checkout flows where applicable), Next.js storefronts, headless commerce, custom PHP. If your store integrates with a payment processor SDK or API, the cloaking can live on it. Tell me your stack on Telegram and I will confirm whether it fits.

Vertical experience that matters

I have done this for CBD, supplements, replica goods, adult-adjacent, gray-area dropship, VSL and affiliate funnels, weight loss, e-cigs. If your vertical is on that list, I have seen how it gets killed and how to keep it alive longer.

Days, not weeks

Typical engagement runs 3 to 5 days from deposit to live processing. Basic engagements move faster when you already have the supporting pieces and the processor account ready. Custom multi-store work takes longer because there is more to spec.

Around after delivery

30 days of post-delivery support on Telegram is included. If your processor sends a review email three weeks in, message me. After 30 days you can pick up a retainer or just pay per incident when something needs a touch.

How it works

Four steps. Most of the work happens on my end.

You describe the problem, I quote it, you pay, I build it, your store processes. That's it. The detailed version is below.

01

DM on Telegram

Tell me what your store is, what vertical it lives in, what stack it runs on, and what happened. Banned account, never had one, launching from zero, scaling up. I will confirm scope and quote the engagement.

02

Deposit and kickoff

50% upfront for Standard and Custom engagements, full payment for Basic. Crypto preferred, card via invoice if you ask. You hand over the access I need for your specific stack: store admin, hosting, server, whatever fits.

03

Cloaking setup

I build the cloaking on your stack. The processor side gets wired up the way it needs to be. Post-payment behavior gets configured. I test with real charges before handing it back.

04

Handoff and support

I walk you through what I did, what to avoid post-launch, and what to watch for. 30 days of Telegram support is included. Retainers and per-incident repairs are available after that if you want them.

Verticals

Where I have done this before.

If your vertical is in this list, I have seen what kills it on Stripe and what keeps it alive. If it isn't, message me anyway. I have probably touched something adjacent.

Gray-area dropship on WooCommerce or Shopify

High-velocity general dropship, niche dropship, anything Stripe routinely classifies as risky on first volume spike. Usually the cheapest engagement because the stacks are well understood.

CBD, supplements, weight loss on custom or headless storefronts

Categories Stripe nominally allows but reviews aggressively. Setup focus is on surviving the reviews the policy almost guarantees you will get.

Replica and adult-adjacent on dedicated cloaked builds

Categories Stripe formally restricts. Requires the cloaking to be genuinely separated and to hold up under closer human review. Quoted at the higher tiers.

VSL and affiliate funnels on Stripe Checkout or Payment Element

High-ticket coaching, info products, supplement upsells, anything sold off a single landing page. Cloaking sits in front of whichever Stripe checkout component your funnel uses.

Pricing & scope

Three engagement shapes. Final quote depends on your stack.

Final quote depends on stack complexity, vertical risk profile, and whether you already have the supporting infrastructure plus a processor account ready to go. All quotes happen on Telegram after a short scope conversation.

Basic

Starts at $249

You already have the pieces. I install the cloaking.

  • +You already have the supporting infrastructure ready
  • +You already have a usable processor account in place
  • +I configure cloaking on your selling site
  • +Test charges, verification, brief handoff
  • +Full payment upfront
  • +30 days post-delivery Telegram support
Scope on Telegram
Most common

Standard

Starts at $749

Full setup. I do the spec, you sign off.

  • +I help you spec the supporting infrastructure if you do not have it
  • +I help you set up the processor account that needs to exist
  • +Cloaking configured on your selling site
  • +Hardening tuned for your vertical
  • +Written handoff on what to avoid post-launch
  • +50/50 deposit and delivery split
Scope on Telegram

Custom

Starts at from $1.5k

Multi-store, complex stacks, retainers.

  • +Multi-store cloaking across several brands
  • +Headless commerce, custom checkout, subscription products
  • +High volume or high-risk vertical with ongoing review pressure
  • +Entity formation guidance if you need it
  • +Quoted per engagement after scope conversation
  • +Retainer available after delivery
Scope on Telegram

Crypto preferred (BTC, USDT on TRC-20 or ERC-20). Card via invoice on request. 50% deposit and 50% on delivery for Standard and Custom. Basic is paid in full upfront.

Years of payment cloaking experience
Worked on WooCommerce, Shopify, Next.js, custom PHP
Crypto-friendly billing
30 days of post-delivery support
On Telegram daily
Your setup runs on your stack, not a shared platform
FAQ

The questions I get most.

If your question isn't here, message @lucimornens on Telegram. I would rather walk through your specific situation than guess at it on a public page.

What exactly do you do?
I set up payment cloaking on your stack. The technical specifics are part of what you pay for, not something I publish. The outcome is that your store keeps processing payments cleanly through whichever processor you use. Stripe is the most common case I handle, but the same approach works elsewhere.
Will Stripe just ban this too?
The setup is built to survive review for as long as possible, but no setup is permanent. The processor rotates risk models, your volume changes, refund and chargeback ratios shift, things happen. When something does come up, message me. Repair and rotation are part of what I do, included for 30 days and available on retainer or per incident after that. Stripe is what I see most of this on, but the same logic applies if you are running anything else.
Do I need to have anything set up before I message you?
Depends on the tier. Basic assumes you have the pieces ready. Standard and Custom include me helping you stand up the supporting infrastructure and processor accounts that the setup needs. Either way, the conversation on Telegram clarifies what you need before you commit.
What stacks do you actually work with?
WooCommerce, Shopify in setups where the checkout can be customized, custom Next.js storefronts, headless commerce, custom PHP. If your store talks to your payment processor SDK or API directly, the cloaking can sit on it. Tell me what you run and I will confirm fit.
Does it work with subscriptions, Apple Pay, 3DS, refunds?
Yes. Subscriptions, Apple Pay, Google Pay, Express Checkout, 3DS challenges, refunds, partial refunds, disputes. Whatever your processor supports keeps working the same way it did before. Stripe gets the most coverage because it is what I see most.
How long does it take?
Typical engagement is 3 to 5 days from deposit to live processing. Basic engagements where you have the pieces in hand can be done in 1 to 2 days. Custom multi-store work takes longer because the spec conversation alone is bigger.
How do I pay?
Crypto is preferred. BTC and USDT on TRC-20 or ERC-20. Other chains on request. Card via invoice is available if you really need it. Standard and Custom run on a 50/50 split: deposit to start, balance on delivery. Basic is paid in full upfront.
What if it stops working a month from now?
The 30 days of post-delivery support included with every engagement covers exactly this. After that, you can pick up a retainer or pay per incident when something needs a touch. Message me on Telegram and we will scope it.

Payment processing back online, on your stack, in days.

DM me on Telegram with your store, your vertical, and what happened. I will quote it and we go from there.

Message @lucimornens