A merchant account decline feels final. Usually it is not. Each sponsor bank has its own rules about industries, history and risk — and what one bank declines, another may approve.
Common reasons for a decline
- An industry that bank does not accept.
- Missing or unclear documents.
- A website without policies, prices or contact details.
- Personal credit or past account closures.
- Average or high tickets that do not match the business description.
What to do next
- Ask for the reason. It tells you what to fix.
- Fix the obvious gaps. Policies on the website, clear statements, matching business details.
- Apply where the fit is better. Different banks look at the same business differently.
How we help
We work with more than one US processing partner. When you apply with us, we look for the partner whose rules fit your business — one application, more than one underwriting desk.
Want a second look? Apply at voxepay.co. All applications are subject to underwriting approval.