The real decision comes later
Underwriting at signup is only the first look. Whether an account is worth keeping gets decided once there is volume, chargeback history and margin to weigh — months or years after you went live.
Trusted by
01 — The review you don't see
Onboarding was easy.
Onboarding was easy.
That's not the decision that matters.
Most established merchants chose their current processor because signing up was simple, and it has worked fine ever since. Working fine is exactly the condition under which an account gets re-examined — internally, on the processor's schedule, in a cost-benefit review you are not part of.
You are not in the room
The review is internal to the processor. It weighs your account against portfolio concentration and profitability targets that have nothing to do with how well your business is running.
Notice arrives with the change
Merchants commonly learn the outcome on the day it takes effect. There is no transition window built into that process, and no time to stand up an alternative before it bites.
02 — Simplify
One relationship, one phone number, one team that knows your account.
Processing gets complicated at the moment something goes wrong. Every merchant we bring on is handled as an enterprise account — a named team rather than a general support queue — and the work is set up to get ahead of problems rather than react to them after the fact.
Personal service, start to finish
The same team from the first conversation through the life of the account, not a handoff from a sales rep to a support queue once you are boarded.
A direct line to risk management
You can talk to the risk professionals who decide on your account rather than filing a ticket about them. Reserves and holds are the exception here.
Domestic US support
Named people in the United States, not an outsourced call centre reading a script. Reachable during the hours you are taking payments, and you call us directly.
Enterprise handling by default
No tiered support and no volume threshold to clear. Every account gets the same named team, because whoever needs help rarely scheduled it.
Transparency into your analytics
Approvals, decline reasons, settlement timing, fees and chargebacks in one place, so you can see what your processing is doing without a report.
03 — Supply
The account, the hardware, the capital behind it.
A merchant account on its own is not a payments operation. Supply is everything that has to work alongside it.
Practically every business type
Including high-risk verticals that PayFacs decline or offboard outright. If a model can be underwritten we will tell you exactly what it takes, and say so plainly when it can't. Approval rests with the acquirer.
Competitive interchange-plus pricing
Interchange plus a disclosed markup, so you see the cost floor the networks set and exactly what sits on top. Your rate depends on MCC, volume and ticket size.
Hardware, gateways and proprietary tools
Clover® POS, payment terminals and self-order kiosks through our TouchSuite® partnership, fit to the way you already sell rather than forcing the reverse.
Memberships and recurring billing
Built for subscription and continuity models: smarter retry logic, account updater, and descriptor control that keeps recurring charges from becoming disputes.
Access to working capital
Merchant cash advance through TouchSuite® FlexCapital during the relationship: a purchase of future receivables rather than a loan. Subject to separate underwriting, and not a commitment to lend.
04 — High-risk industries
Secure, scalable payment solutions for high-risk industries.
Your business is unique, and so are the challenges you face. Operating in a high-risk industry doesn't mean compromising on the quality of your payment solutions. Whether you're in topical CBD, firearms, supplements or another regulated market, we build processing that is secure, compliant and scalable around how you actually sell — and we have been underwriting several of these verticals since before they were mainstream.
Industries we serve
Topical CBD & hemp
Online gambling
Firearms & ammunition
Nutraceuticals
Telemedicine
Vape & e-cigarettes
Vitamins & supplements
Many others
Why these solutions work for high-risk businesses
How we assess risk
We are regularly asked for a list of what we will and won't take. We don't publish one, and the reason isn't evasiveness.
A category is not a decision
Two businesses in the same vertical can look completely different depending on how they market and where they operate. A category-level yes or no would be wrong about most of them.
Send the statements instead
We review the actual processing and give you a straight answer. If it's a no, you hear that quickly and directly rather than after weeks of silence. Approval itself rests with the sponsoring acquirer.
A no isn't permanent
Declined merchants stay on file. We add banking relationships regularly, and an answer that was no under one set of relationships can change under another.
05 — eCommerce
Power your online store with scalable payments.
eCommerce is fast-paced and competitive, and payments are where a good funnel quietly leaks. Processing that integrates with the stack you already run — secure checkouts, clean integrations, and the reporting to see what your payments are actually doing.
Platforms and gateways
WordPress / WooCommerce
Shopify
BigCommerce
Magento
PrestaShop
Authorize.Net
NMI
Funnelish
Custom builds
Why these work for eCommerce businesses
Frictionless checkout
Fast, familiar payment interfaces that keep buyers moving through checkout, with support for major credit cards, digital wallets and alternative methods including Apple Pay and PayPal.
Global scalability
Multi-currency support and cross-border acceptance so you can sell into new regions without standing up a separate processing relationship for each one.
Secure transactions
Processing on a PCI DSS-compliant platform, with tokenization and fraud screening protecting both your customers' card data and your chargeback ratio.
Comprehensive analytics
Purchasing behaviour, sales trends, approval and decline performance in one place — so you can see which payment problems are costing you revenue rather than guessing.
Flexible integrations
Plug into Shopify, WooCommerce, Magento and custom-built storefronts, through either a hosted checkout or a full API integration depending on how much of the flow you want to own.
06 — Solutions
Gateways, accounting, and every sales channel.
The integration layer — what connects the merchant account to the systems you already run.
Payment gateways
Authorize.Net and NMI rather than a single mandated stack, with tokenization and hosted or API-based checkout depending on how much of the flow you want to own.
Accounting system integration
QuickBooks, Xero and FreshBooks, plus ERP platforms including Odoo and Zoho — settlement and fee data landing in the systems your finance team already closes the books in.
Omnicommerce
Card-present, online, mobile and recurring under one account and one set of reporting — multiple payment options without multiple disconnected relationships.
07 — Staying ahead of regulation
The rules change on someone else's schedule.
The rules change on someone else's schedule.
Lead time is the whole game.
We retain compliance consultants who track FTC and FDA rulemaking and the card brands' operating bulletins, so a material change reaches our merchants before it takes effect — typically with 60 to 90 days of lead time.
Sixty days versus twenty-four hours
Two months is enough to revise substantiation, rework a funnel, or restructure a billing descriptor on your own timeline. A day's notice is only enough to take something offline.
What we watch
Advertising substantiation and endorsement rules, claims standards for regulated products, and the card-brand programs that govern dispute ratios and prohibited categories.
How you hear about it
From the team that handles your account, with the specific effect on your MCC and your funnel spelled out — not a portal notice you find after the fact.
08 — Effective rate
The only number that settles it: fees ÷ volume.
Headline rates hide fixed fees on one side and per-transaction cents on the other. Put your real volume and average ticket in.
Your business
Transactions per month
The dedicated-MID quote
Defaults are illustrative. Replace them with the numbers on the actual proposal.
Side by side, per month
Illustrative
Flat-rate PayFac
in fees
Interchange-plus MID
in fees
Percentage fees, MID
Per-transaction fees, MID
Fixed monthly fees, MID
Verdict at this volume
Where the two lines cross
Holding your average ticket and this quote constant, interchange-plus overtakes flat-rate at roughly:
09 — What the pitch leaves out
Three things a switching pitch usually skips.
The headline rate isn't the cost
Traditional ISOs often carry monthly fees, statement fees, PCI non-compliance fees and gateway fees — sometimes inside multi-year contracts with early termination penalties.
"Faster funding" is situational
Improved funding is not guaranteed. It depends on your MCC, your risk profile, and the acquiring bank — get the timeline in writing or treat it as marketing.
At low volume, flat-rate usually wins
Once fixed fees are added in, the flat-rate simplicity of a facilitator often nets out cheaper than interchange-plus. The calculator above shows where that flips.
Why merchants stay
Ninety-three percent are still here at five years.
Retention over that long is a service number rather than a pricing one — pricing doesn't hold anyone for five years. It also lines the incentives up: an account that leaves inside eight or nine months costs us money, so we want the relationship to last for the same reason you do.
Send one processing statement. We'll send back the arithmetic.
No commitment and no application — a current statement is the whole ask. You get back one of two answers: that your pricing is already good and you should stay where you are, or the numbers on what we'd do differently and what it saves.
First, you send a statement
One current processing statement. Nothing else, no application, and no obligation attached to it.
Then we do the arithmetic
A written effective-rate comparison and a full fee schedule for your MCC. If your current pricing is already competitive, we say so and recommend you stay put.
Then you decide
Including taking our proposal back to your current provider to see whether they'll match it. That's a legitimate outcome and we won't pretend otherwise.