compliance
Guides and news on card processing, POS, gateways and protecting your revenue — written for business owners.
What is a high-risk merchant account?
A high-risk merchant account is one where the sponsor bank judges the likelihood of chargebacks, fraud or non-delivery to be elevated. Classification is driven by how payments are taken, how long delivery takes and the dispute history, not simply by industry name.
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An early termination fee is a charge applied when a merchant closes a processing account before the agreed term ends. It may be a flat amount, a liquidated-damages calculation based on prior revenue, or a per-month figure for the remaining term. It is separate from any equipment lease.
Declined by one bank isn't declined by all
A merchant account decline is a decision by one sponsor bank against its own risk appetite, not an industry-wide verdict. Different sponsor banks accept different industries, delivery models and risk profiles, so the same application can be declined by one and approved by another.
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