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Declined elsewhere is
not a verdict here.

Generic providers score a category code and move on. We read the business behind it. Complex verticals get a real review by a real underwriter, then the tools to keep disputes under control.

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  • PCI DSS Level 1
  • 3-D Secure 2
  • GDPR-compliant
  • WCAG AA

Five reasons a file gets refused.

None of them describe a bad business. They describe a fast model reaching for a rule. Here is what the rule sees, and what we look at instead.

  1. Your MCC was scored, not your business

    A merchant category code is a label. It says nothing about how you ship, refund or answer a dispute.

  2. You bill on a subscription

    Recurring billing raises dispute risk on paper. Clear billing descriptors and easy cancellation bring it back down.

  3. You sell across borders

    Cards issued in many countries look messy to a single-market underwriter. We price the mix instead of refusing it.

  4. You deliver after the sale

    Travel, ticketing and pre-orders carry future delivery. That needs a reserve plan, not a closed door.

  5. You have prior chargebacks

    History matters. What matters more is what you changed since. Show the fix and we will read it.

Verticals we will read, not bounce.

These are categories other providers shelve by default. We take each one on its file. Some we place quickly. Some need a reserve or a tighter rule set. You will know which on the first call.

  • Subscription and membership
  • Travel and ticketing
  • Digital goods and downloads
  • Nutraceuticals and supplements
  • Adult-adjacent lifestyle
  • Gaming and in-app credit
  • Marketplaces with payouts
  • CBD and regulated wellness
  • Debt and financial advice
  • Dropshipping at scale

Not listed? Ask anyway. The list is what we see most, not the limit of what we place.

How a complex application moves.

Four stages, in this order. The point is to find the blocker in week one, not week five.

  1. A call before the form

    We hear the vertical first. If we cannot place it, we say so on that call. Nobody wastes a week.

  2. The file gets built with you

    We list what is missing and why. Gaps are flagged early, so the file does not stall in review.

  3. Terms in plain words

    Rates, reserve and settlement are set out together. You see the whole shape before you sign.

  4. Live, then watched

    Sandbox keys arrive with approval. After go-live a named manager tracks your dispute ratio with you.

Approval is the start. Control keeps it.

A high-risk account stays open because the dispute ratio behaves. These tools ship with the gateway, on day one, not as an upsell.

  • Chargeback alerts

    Disputes surface early. You can refund first and stop the case from ever reaching a ratio.

  • Rules you control

    Screen by country, amount, velocity or card type. Tighten a rule in the morning, loosen it by lunch.

  • 3-D Secure 2

    Shift liability on the risky slice of traffic. Leave trusted buyers on a frictionless path.

  • Representment support

    We help assemble evidence packs. Your manager knows what a given scheme actually accepts.

  • Reserve planning

    If a reserve applies, its size and release schedule are written down from day one.

  • Reporting you can close on

    Settlement, fees and disputes in one export. Finance reconciles the month without guesswork.

The same gateway carries your wider payment mix. See the gateway or browse supported methods.

Questions merchants ask us first.

Five answers, in plain words. Your account manager will go deeper on any of them.

How the merchant account works
What actually makes a merchant high-risk?

Usually the chance of a dispute, not the product. Future delivery, recurring billing and cross-border cards all raise that chance. A clear refund route lowers it again.

Will I be asked for a rolling reserve?

Sometimes. It depends on the vertical, the ticket size and your history. When a reserve applies, we write the percentage and the release term into the offer.

Can you take my account after a termination?

Often, yes. We need the reason and the evidence of what changed. A closed account is a starting point for the review, not the end of it.

How long does onboarding take?

Days rather than weeks when the file is complete. The delay is almost always a missing document. That is why we build the file with you up front.

Do I need a separate gateway?

No. The account and the gateway come from us together. One integration carries the methods and currencies you are approved for.

Tell us the vertical. We will tell you the odds.

One short form, then a call with someone who can answer on the spot. No demo, no script, no silence after go-live.

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