How it works
We find the way through, then we stay with you.
Underwriting is a maze. We know the route, we prepare your file for it, and we keep watching your account after you're live.
Four steps
Most processors stop at approval. We don't.
Consultation
A free call or email exchange. We review your business model, processing history, chargebacks and website, and tell you plainly where you stand and what's realistic.
Matchmaking
We fix red flags in your file first, then connect you with the processing partner best suited to your vertical and negotiate reserve, payout and rate terms.
Launch
Underwriting, approval and setup of your gateway, POS and integrations, timed so you switch without downtime.
Ongoing advocacy
We monitor your account, step in on reviews and reserves, request rate and cap improvements as you grow, and keep a backup option ready.
Typical high-risk underwriting takes 5 to 10 business days. Traditional accounts can be approved in 24 to 48 hours. Final approval is always the processor's decision.
The RiskVantage Consulting approach
70% built to last. 30% defended hard.
We spend 70% of our effort securing stable, high-volume processing lanes built to last. The other 30% goes into aggressive advocacy for your most challenging transactions, so cash flow keeps moving when markets get volatile.
Before your first call
What to have ready.
You don't need everything to start. These speed things up. We'll confirm the exact list for your industry.
- Your last 3 to 6 months of processing and bank statements
- Business formation documents and owner ID
- A voided business check or bank letter
- Industry licenses or lab reports, for regulated products
- Your website, with refund, shipping and privacy policies visible
Documents are sent by email or through our processor's secure portal, never uploaded on this website.
