Told to stop processing, with no reason given.
Told to stop processing, with no reason given.
That happens on an account nobody underwrote. Get one in your own name, read and priced by someone who knows your category.
No application, no cost, nothing moves. One call and you know where you stand.
Categories we place, and keep placed.
The rebill is what gets you dropped
Free trials, dunning and cancellations are what an underwriter reads first. Get that flow right and the category stops being the problem.
- Rebills and dunning set up properly
- Cancellation that does not become a dispute
- Pre-dispute alerts
- A descriptor the cardholder recognises
Paid in March for a trip in December
That gap sets your reserve. It gets written into the agreement instead of sprung on you in a bad month.
- Future-delivery underwriting
- Reserve terms written into the agreement
- Staged capture against the booking
- Chargeback representment
Legal, licensed, and still hard to bank
Lawful categories get declined every week. The work is documenting the model until an underwriter can say yes.
- Licence and compliance pack
- Domestic or offshore acquiring
- A second acquirer kept warm
- A named underwriter, not a queue
How an application actually runs.
Most declines are not about the business. They are about how the application described it.
We read the model first
What you sell, how it reaches the customer, and when the card is charged. Before any paperwork.
We tell you where you stand
Including when the answer is no. You hear it on the call, not a month later.
We build the file
Licences, policies, the site and the refund terms, put together so an underwriter is not guessing.
We keep a second door open
A backup acquirer stays warm, so one decision elsewhere cannot end your ability to trade.
Inside someone else’s account, or holding your own.
The difference that decides whether a bad month is a phone call 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 call, and a window to fix it |
| Your funds | 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 |
Aggregators are not the villain. They are simply not underwriting you, and in this category that is the whole business.
Our payouts stopped on a Friday and nobody could tell us why. Now the file sits with an underwriter who can explain what we sell.
What merchants ask
Send the model in one line. You get a yes or a no before filling anything in.
Tell us what you actually sell.
The model, when the card is charged, and any history you would rather we heard from you first.
Contact Information
A held balance is money you cannot trade with. Say so in the first line and we start there.
⏱️ No cost and nothing to sign. Underwriting replies within one business day.
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