This may not be the best place to post this, but I am at my wits end.
I run an online business through which I profit at least $2k a day, selling products. Products are not illegal, however they are trademarked and I've received a couple C&Ds (addressed to me personally) so far. I pay taxes on my income, have LLCs setup, etc.
Obviously I want to continue selling, that's good ass money. I can run everything anonymously, from shipping to cashing out from BTC.
One flaw: Credit card processors require a bank account linked to receive funds. Stripe for example (integrated with Shopify Payments). I cannot use Paypal for obvious reasons (no stealth PP account can process $10k revenue in 5 days without being limited, additionally to process CCs with PP a SSN or EIN is required).
How would I solve this?
Best option: Buy a fully functioning US bank account from a vendor (have yet to find anyone offering this service). Money gets deposited to this anon bank acc from Stripe (or other CC processor), buy bitcoin, tumble and re tumble, deposit to my real bank account, rinse and repeat. Would work flawlessly IMO, could buy another US bank account if original gets limited. Could be split into multiple bank accounts, each only receiving ~$300 a day for example. Possible Issues: Feds monitor activity. Non-Issue IMO with proper anonymity procedures (yes ik this is risky biz).
Second: Find CC processor that pays out in BTC Possible Issues: Does not exist and if it does lmk haha.
Third: Deposit to prepaid card that accepts ACH transfers. Would work, although I would not be able to scale that well. From some advertisers I will receive $1500 in CC transactions within a few hours. That amount is deposited in one ACH deposit a couple days later. Most prepaid cards would find that highly suspicious (I assume) and would limit account.
Fourth: Use some sort of url shortener that equally disperses clicks to multiple different sites, allowing me to deposit much smaller amounts to different prepaid cards with ACH (distributed selling network vs one site for all)
There seems to be no way around this. I could potentially purchase an identity through DNM and open online bank accounts with that. Like Simple Bank.
Finally: Am I making this too big an issue? I'm only hiding from the company that holds the trademark. From what I've read on PP and Stripe's privacy policies, they might give up bank routing and account number if requested, revealing my identity (if I use personal bank for deposit) and giving them opportunity to sue. Unsure if a companies lawyer could convince Stripe or PP to give up SSN or bank routing info of a users account.
Basically, how tf do you process credit cards anonymously??
Any help or thoughts would be greatly appreciated.
Wow, ok. Here is some very educated opinion. (this is my profession)
First, what is your general location? US I assume.
You are making this waay to difficult. With the small amount of money you are generating, there are smarter ways to go about this. Never try to buy an established US bank account. Only bad things happen with this. Quite possibly the stupidest move ever. (ask me if you really need to know why)
How are you getting paid now? Just curious how you are handling your business currently.
Anyway, if you plan on growing your business, or keeping it operating from the US, especially with TM issues, you need to completely isolate the banking and payment processing from the US. Why? Because the TM issues will quickly become the least of your worries. It is impossible to conduct an infringing or illegal business in the US without running afoul of banking and tax laws that you may not even be aware of. Since the money laundering and financial crimes are far easier to get a conviction on, and are much sexier and newsworthy than the TM convictions, that is how you will be charged and prosecuted.
Here are the basics..
Move your business out of your name and keep the payment and banking out of the US. Open a Marshall Islands IBC (NOT through a website or agent) in the name of a designee that is not a US citizen. Use the IBC to open a Cyprus corporate account, this gives you access to SEPA EU banking. Connect the Cyprus account to any number of BTC exchanges that DO NOT do business in the US. There are any number of CC processors that will service your corporate account with this structure. Marshall Is. is as an example, but anonymity and tax-wise, it is a good bet.