RUO Peptide business discussion

I'd like an opinion from other fellow peptide business owners.

Found an agency that is killing my paid ads. We are spending around 80k a month and seeing ROAS of 3-3.5 on Meta. Soon adding Google as well, so I'm expecting more cash flow.

Been searching for a reliable payment processor and all of the potential good ones are charging crazy %...

Saw a provider that is cloacking the payments so I was wondering how safe is that?
Has anyone tried something similar?

I heard that eventually you can get caught and that your website can be blacklisted.

I really don't want to endanger the whole operation and paid advertising scale wave that we have, I'd rather rotate PPs even if it's a shit tone of work for me.