Common questions. Straight answers.
What merchants ask us most, answered without the sales pitch. Do not see your question? Send it over and you get a straight answer.
Getting an account
What makes a business high risk?
Chargeback exposure, regulatory attention, billing model and processing history. Some industries carry the label by default, and a past termination adds it to any business.
What documents does underwriting need?
Typically a completed application, recent bank statements, prior processing statements, a government ID and your business formation documents.
Do you guarantee approval?
No. Approval always sits with the acquiring bank. Any company promising guaranteed approval is describing something it cannot deliver.
After a termination
What is the MATCH list?
MATCH is the card-industry database of merchants terminated for cause. Acquirers check it during underwriting, which is why one termination can decline every later application.
Can I be removed from MATCH?
Only the acquirer that placed the listing can remove it, and normally only if it was placed in error. Nobody can sell you a removal.
What happens to funds an aggregator is holding?
Held funds follow that processor’s own agreement, commonly released after a set holding period once chargeback exposure closes. We cannot release another processor’s reserve.
Costs and terms
Why does high risk processing cost more?
The acquirer carries more chargeback and regulatory exposure, and prices for it. Your industry, volume and history all move the number.
What is a rolling reserve?
A share of each batch the acquirer holds for a set period to cover future chargebacks, then releases on a rolling schedule.
Will I get pricing in writing?
Yes. You see the full schedule, including any reserve, before you sign anything.
Working with us
Are you a bank?
No. We market payment processing under our own brand and place merchant accounts with acquiring banks and processors, which is the ISO model. The acquiring bank issues the account, makes the approval decision and settles your funds.
What does it cost to talk to you?
Nothing, and there is no obligation. You describe the business and what your last processor did, and you get an honest read on what your file supports, including if the answer is that something needs fixing first.
Can you promise how fast I will be approved?
No. Underwriting timelines depend on the acquirer, your industry and how complete your file is. Anyone quoting you a guaranteed approval time is quoting something they do not control.
What if you cannot place my business?
You will be told directly, along with the reason. Sometimes the honest answer is that a specific reason code, product or claim on your site closes the door until it changes.
Staying boarded
What gets an account terminated?
Crossing card-network chargeback or fraud thresholds, a mismatch between your stated and actual business, prohibited products, or sudden volume the acquirer did not underwrite.
Should I have more than one merchant account?
Many established high risk merchants do. A second account means one termination cannot stop revenue entirely.
Can you help lower my chargeback ratio?
We can point you at the levers that matter: descriptor clarity, refund policy, delivery evidence and alerts. The work stays yours.
Turned down somewhere else? Tell us what happened.
We place merchant accounts for hard-to-place, previously terminated and MATCH-listed businesses. You see pricing in writing before you sign anything.