Straight answers, no fine print.

No. High-risk is our specialty, but we also set up standard merchant accounts for traditional businesses such as dentists, veterinarians, HVAC and plumbing companies, restaurants, retail and ecommerce.

Yes. We work with startups and new businesses all the time. Without statements, processors look more closely at your business plan, website and the owners' background, and we help you prepare all of it.

Yes. We place both US and international businesses. Tell us where you're incorporated and where your customers are, and we'll match you with partners that support that setup.

Traditional accounts can be approved in 24 to 48 hours. High-risk accounts typically take 5 to 10 business days for complete underwriting, depending on your business model and volume history.

The processor. Our job is to send your file to the partners most likely to say yes, prepared the way their underwriters want it. Approval is never guaranteed.

No. The consultation and statement audit are free, with no obligation. We're paid by the processor we place you with, not by you.

Send us one processing statement. Within 48 hours you get a line-by-line report of every fee, what it should be, and what we'd change, including hidden markups, contract terms and equipment leases.

Your total monthly processing fees divided by your total card volume. It's the single best number for comparing what you really pay. Our free tools on the Services page help you estimate it.

Usually the industry (regulated or age-restricted products), the sales model (subscriptions, future delivery, card-not-present), or the history (high chargebacks, a past termination). It doesn't mean you're doing anything wrong.

Usually business formation documents, owner ID, a voided business check or bank letter, and recent processing and bank statements. Some industries need extras such as lab reports or licenses. We send an exact checklist.

By email or through our processor's secure portal. We never ask you to upload IDs or bank statements on this website.

Some high-risk accounts do. Terms depend on your industry, history and volume. We negotiate them before you sign and request reductions once your account builds a clean track record.

Yes. We specialize in chargeback management and work with partners that tolerate higher risk levels, plus give you a plan to bring chargebacks down and protect your merchant account.

Save the closure notice, download your transaction data while you still have access, ask in writing about your held funds, pause recurring billing, and gather 3 to 6 months of statements. Then contact us: emergency cases go to the front of the line.

Don't open a new account with different business details, since misrepresentation can get you added to the MATCH list. Don't keep charging customers on a closed account, and keep all communication with the processor in writing.

In most cases held funds are released after the processor's hold period, minus refunds or chargebacks. We help you get the terms in writing and push for the earliest release.

A database card networks use to record merchants whose accounts were terminated for certain reasons. It makes approval harder, but not always impossible. Ask your processor in writing whether you were added, and tell us.