The Problem
YOU'VE BEEN TOLD YOUR BUSINESS IS "TOO HIGH RISK."
BUT WHAT DOES THAT ACTUALLY MEAN?
"High risk" isn't a solution.
It's a starting point for an investigation.
A payment provider may reject a business because of its industry, business model, geography, transaction profile, chargebacks, licensing, MCC, processing history, documentation or a combination of factors.
Sometimes the business genuinely isn't suitable for a particular provider.
Sometimes it simply isn't suitable for that provider.
The difference matters.
COMMON PAYMENT PROBLEMS
"Nobody will approve us."
Let's understand why.
I'll assess your business model, risk profile, processing history and requirements and identify the potential obstacles.
"We've been terminated."
The first step isn't immediately finding another PSP.
It's understanding what happened and what another provider is likely to see.
"We're getting too many declines."
Declines can come from multiple sources.
The problem may be acquiring, routing, fraud controls, issuer behaviour, geography, payment methods or checkout friction.
"Our reserve is killing the business."
A reserve may reflect how an acquirer views your risk.
The question is whether your current structure is appropriate — and whether alternatives exist.
"Our MCC is wrong."
Merchant classification can materially affect how a business is viewed by payment providers.
I'll assess the current classification and whether it appears appropriate.
"We need another acquirer."
Single-provider dependency creates operational risk.
I'll help assess what a more resilient acquiring structure could look like.
"We need banking as well."
Payment processing and banking are related — but they aren't the same problem.
I'll help separate the requirements and determine what the business actually needs.
DON'T KEEP APPLYING.
DIAGNOSE FIRST.
If you've already been rejected by several providers, sending the same application to another provider may simply produce the same result.
Find out what the problem actually is.
[GET YOUR PAYMENTS DIAGNOSTIC]