Keep accepting cards in a category most processors drop.
Keep accepting cards in a category most processors drop.
A direct account in your own name, underwriting that reads your actual model, and a straight answer on whether you qualify before you move anything.
Categories we place, and keep placed.
Where the dispute rate is the whole conversation
Free trials, rebills and cancellations are what underwriters actually look at. Get the flow right and the category stops being the problem.
- Rebill and dunning set up properly
- Cancellation that does not create disputes
- Pre-dispute alerts
- Descriptors the cardholder recognises
Money taken long before the service is delivered
A deposit today for a flight in nine months is future delivery, and that is what drives the reserve. It can be structured rather than simply endured.
- Future-delivery underwriting
- Reserve terms written into the agreement
- Staged capture against the booking
- Chargeback representment
Legal, licensed, and still hard to bank
Categories that are perfectly lawful and still get declined by aggregators. The work is documenting the model so an underwriter can say yes to it.
- Licence and compliance pack
- Domestic or offshore acquiring
- A second acquirer kept warm
- Named underwriter, not a queue
How an application actually runs.
Most declines are not because the business was unacceptable. They are because the application described it badly.
We read the model first
What you sell, how you deliver it, and when the customer is charged. Before any paperwork.
We tell you where you stand
Including when the answer is that we cannot place you. You get that on the call, not after a month.
We build the file
Licences, policies, the site and the refund terms, assembled so an underwriter is not left guessing.
We keep a second door open
A backup acquirer stays warm, so one decision somewhere else is not the end of your ability to trade.
Inside someone else’s account, or holding your own.
The distinction that decides whether a bad month is a warning or a closure.
| On an aggregator | A direct account in your name | |
|---|---|---|
| Who is underwritten | Their portfolio | Your business, on its own merits |
| When you become visible | When your volume stands out | At application, before you process a dollar |
| A bad month | Removal, often without explanation | A conversation, with a remediation window |
| Your funds | Can be held with no stated release date | Reserve terms written into the agreement |
| Your category | Tolerated until it is not | Priced and approved explicitly |
| Redundancy | One account, one decision | A second acquirer kept warm |
None of this is a criticism of aggregators. They are simply not underwriting you, and in a high-risk category that difference is the whole business.
We were dropped with ten days’ notice and no reason given. The difference now is that someone actually knows what we sell.
What merchants ask
Say so in the first line and we will treat it as urgent rather than as a new application.
Tell us what you actually sell.
The model, the delivery timeline, and any history you would rather we heard from you first.
Contact Information
If funds are frozen or you are inside a shutdown notice, say so in the first line and we will treat it as urgent.
⏱️ Underwriting responds within one business day.