40+ FAQs covering approvals, chargebacks, compliance, fees, and support — all for legal, compliant businesses. We do not support gambling, casinos, betting, or illegal activities.
A merchant account is a specialized bank account that allows your business to accept credit and debit card payments. Funds settle into this account, then to your business bank account on your settlement schedule.
Common reasons: industry bias, incomplete docs, high ticket/delayed fulfillment without clear policy, chargeback history >0.65%, or mismatch between website content and application. We review compliance-first.
Low-risk: often same-day to 48 hours. Medium-risk: 2-4 business days after documents. High-risk legal: 3-5 business days with senior review. We update you daily.
Yes — when legal, licensed where required, and card brand compliant. Examples: firearms accessories (legal), credit repair (CROA), crypto consulting (where legal), financial services. Never gambling, casinos, betting, illegal.
No. We never support gambling, casinos, betting, sports wagering, unlawful lotteries, or illegal adult services. This is firm and non-negotiable.
EIN letter, business bank statement, government ID, voided check, business license if applicable, website with Terms/Privacy/Refund, prior processing statements if available, supplier invoices for product businesses.
Daily and next-day funding for qualifying low/medium risk. High-risk legal typically T+2 with rolling reserve released weekly. You choose cutoff time with your account manager.
No. No statement, minimum, setup, batch, or annual fees. You pay interchange + markup, gateway if applicable, and chargeback fee only if dispute occurs. Everything disclosed pre-signature.
You pay true Visa/Mastercard cost plus a fixed processor markup. Transparent and auditable vs tiered/flat where costs are hidden.
Only when risk dictates and always disclosed before signing. Low-risk rarely, medium 0-10%, high-risk legal often 5-15% rolling 6-month, released weekly after performance period.
We enroll you in alert networks (Ethoca/Verifi) where eligible, provide monitoring dashboard, representment templates, and ratio coaching to stay under 0.65%. Staff helps draft responses.
Visa allows up to 0.9% ratio under VDMP Early Warning, but acquirers typically want <0.65%. We aim to keep you <0.5% with alerts and prevention.
Yes — 3D Secure 2.0, velocity checks, BIN controls, device fingerprinting, AVS/CVV, and optional manual review queue. Risk team consults on suspicious volume.
NMI, Authorize.Net, USAePay and others. We help integrate virtual terminal, hosted checkout, tokenization, Apple Pay/Google Pay.
Yes. We assist with Shopify, WooCommerce, BigCommerce, Magento, Wix, and custom API/headless integrations.
Yes — Clover, PAX, Dejavoo for retail, restaurants, auto, home services. Integration to inventory and omnichannel reporting available.
Present prices in 130+ currencies. You can settle in USD or multi-currency where permitted. Dynamic currency conversion optional. Must be compliant cross-border.
Built-in for Growth/Enterprise: subscription plans, smart retries, account updater, churn analytics for SaaS, coaching, memberships.
Yes, browser-based MOTO entry with role-based permissions, invoicing, and transaction search. Included with gateway.
PCI DSS is security standard for handling card data. We guide you to SAQ completion, tokenization so card data never touches your server, and P2PE for terminals. Level 1 certified acquiring.
Yes — we explain SAQ types, provide scan vendors if needed, and ensure gateway uses hosted/tokenized fields to reduce scope.
We primarily support US entities with US business bank. Some international acquiring available where compliant. Must have US presence or US citizen owner with KYC.
Know Your Customer/Business — verification of identity, ownership, business legitimacy, OFAC screening. Required for every MID by law.
No hard credit pull for pre-qualification. Some acquirers do soft business verification. We focus on processing history and compliance over personal credit.
We review history and remediation. If ratio is high but you have plan (new fulfillment, enhanced descriptors, alerts), we can often approve with reserve and monitoring plan.
Percentage of daily volume held for risk coverage, typically 6 months rolling, released weekly after hold period if chargebacks stay low.
No ETF on Starter. Growth/Enterprise have 12-month terms, no penalty after term or for cause. We want to earn retention.
Share growth plan and 3 months statements showing volume. We review monthly and typically increase limits 25-50% per cycle if chargebacks <0.5%.
Yes — we recommend multi-MID strategy for >$100k/month or high-risk legal for redundancy and load balancing.
You choose daily cutoff (e.g., 5PM EST). Batches after cutoff fund next cycle. Weekend batches fund Monday unless weekend funding eligible.
We only support US legal businesses. OFAC sanctioned countries, illegal activities, gambling, etc prohibited per card brand and law.
Only where legally supported, licensed, with <0.3% THC, clear lab reports, compliant claims, and no disease cure marketing. State license required.
Firearms accessories only where legal — not marketplace firearms sales without FFL. Must comply with federal/state and card brand rules. Enhanced review.
Crypto consulting/education where legal, not unlicensed exchange or custodial trading without MSB license. Case-by-case compliance review.
Yes where licensed and CROA compliant, with clear fee disclosure, no advance fee for credit repair unless compliant model, documented process.
Dedicated U.S. account manager, direct phone/email, 1-business-day SLA. Technical gateway support plus chargeback assistance.
Sales Mon-Fri 9AM-6PM EST. Support tickets 24/7 monitoring with 24h response; critical issues same-day.
Apply via /application.php (7 mins) or Request Quote form. We review and provide custom interchange-plus markup within 1 business day for compliant submissions.
Notify your account manager. Material changes (new products, fulfillment delay increase, adding trial) must be disclosed per acquirer agreement to avoid holds.
Often yes for growing businesses overpaying flat rate or tiered. Share a recent processing statement for free rate analysis — we show true effective rate.
Yes — encrypted in transit and at rest, tokenization so we don't store full PAN, Level 1 PCI acquirer, and we never sell data.
Our U.S.-based team replies within one business day. No compliance surprises — we tell you upfront if we cannot support your model.