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Payments for every business, including the ones everyone else declines.

Cards, ACH, payouts and disputes on one platform. Whatever you sell, you get a straight answer on the first call.

Get approvedRequest sandbox
Meridian Botanicals/Overview
Sandbox

Settled, 30 days

$184,290

Next payout

$12,418

Scheduled

Daily volume

Cards + ACH
Aug 5Sep 3$7,140
ActivityAmount
Payout sentFri 09:00$12,418
Reserve releasedThu 17:02$3,210
Dispute alertThu 14:31$89.00
SettlementThu 09:00$6,904
RefundWed 16:12$54.00
Illustrative · figures are fictional, not a quote

One platform

Configured for your category, not around it.

Onboarding, acceptance, terms, disputes and payouts are one product with one set of rules.

  1. 01 · Onboarding

    Apply once. We carry the file to the bank.

    We prepare your application against what the acquiring partner for your vertical actually asks for, request every document in one message, and walk it through.

    How underwriting works
    Meridian Botanicals/Application
    Sandbox
    1. Apply
    2. Underwriting
    3. Approve
    4. Integrate
    5. Live

    Underwriting in progress

    Acquiring review · CBD program

    In review

    Documents · 4 of 5 received

    • Articles of organizationReceived
    • Three months of bank statementsReceived
    • Processing history, last six monthsReceived
    • Third-party lab certificatesReceived
    • Refund and shipping policy URLsRequested
    Illustrative · figures are fictional, not a quote

  2. 02 · Acceptance

    Go live on your own domain, without writing code.

    Hosted checkout with cards and ACH on one page, styled to your brand, with card data tokenized in the browser so it never touches your servers.

    Checkout and API
    pay.meridianbotanicals.comSandbox
    Meridian Botanicals$64.00
    CardBank (ACH)
    4242 4242 4242 4242
    09 / 28
    •••
    Billing ZIP
    Pay $64.00

    Card data is tokenized in the browser. It never reaches the merchant.

    Illustrative · figures are fictional, not a quote

  3. 03 · Terms and reserves

    Your terms, in writing, before you sign.

    Rate, reserve, volume cap and funding schedule issued as one sheet before signature, and visible in your dashboard every day after it.

    How reserves work

    Terms · issued before signature

    Sample

    Meridian Botanicals LLC

    CBD program · MCC 5499

    Approved
    Discount rate
    Set at underwriting
    Per-transaction fee
    Set at underwriting
    Monthly and per-transaction caps
    Set at underwriting
    Reserve rate and term
    Set at underwriting
    Funding schedule
    Set at underwriting
    Conditions for change
    Set at underwriting

    Every line is set per merchant at underwriting and shown in full before you sign.

    Illustrative · figures are fictional, not a quote

  4. 04 · Disputes

    Chargebacks handled before they post.

    Pre-dispute alerts let you refund before a chargeback counts against your ratio, and that ratio sits against its threshold on the same screen.

    Chargeback protection
    Meridian Botanicals/Disputes
    Sandbox

    Chargeback ratio

    threshold

    CaseStatusAmount
    Pre-dispute alertFri 08:14Refunded before posting$89.00
    Pre-dispute alertThu 19:40Refunded before posting$142.50
    Chargeback · 10.4Wed 11:02Evidence submitted$64.00
    Chargeback · 13.1Mon 15:27Won$210.00
    Illustrative · figures are fictional, not a quote

  5. 05 · Payouts

    Pay out from the balance you take payments into.

    Vendors, affiliates and contractors paid by ACH from your settled balance, on a schedule you set, reconciling to the same ledger as your sales.

    Payouts
    Meridian Botanicals/Payouts
    Sandbox

    Batch · Friday

    $48,760

    ACH
    RecipientTypeAmount
    Northwind FulfillmentVendor$18,400
    A. ReyesAffiliate · 12%$2,910
    Cascade LabsVendor$9,250
    Harbor MediaContractor$6,000
    Sub-account · RetailSplit$12,200
    Illustrative · figures are fictional, not a quote

Industries

The businesses we serve.

Any legal business can process with us. These are the categories that need a page of their own, because mainstream processors decline them. The full register has all twenty.

How it works

Apply to live in five steps.

You get the whole document list in one message, and every commercial term in writing before you sign.

  1. Step One

    Apply

    Tell us what you sell, how you sell it, and what you process now.

    Nothing sensitive at this stage — no documents, no bank details. Enough for us to tell you honestly whether your category fits our standard acquiring program, sits with a specialist acquirer, or has no route today. You hear which on the first call, before you spend time on paperwork.

    • Vertical and product
    • Monthly volume, current and forecast
    • Current processor, if any

  2. Step Two

    Underwrite

    Our acquiring partner reviews the file. We prepare it and walk it through.

    The document list is fixed per vertical and arrives in one message rather than a trickle. We assemble the file and present it to the acquiring partner that writes your category, so the person asking you for a certificate of analysis is the person who knows why the bank wants it. Most delays in this industry are one more item requested every second day; the list you get on day one is the whole list.

    • Application and ownership detail
    • Three to six months of statements
    • Vertical-specific compliance documents

  3. Step Three

    Approve

    Rate, reserve, caps and funding — in writing.

    You see the discount rate, per-transaction fee, monthly and per-transaction caps, reserve rate and term, funding schedule, and the conditions under which any of them can change. All of it before signature. If a processor will not put those in front of you, that is your answer about them.

    • A decision

  4. Step Four

    Integrate

    Hosted checkout, a plugin, or the API.

    Most merchants go live with hosted checkout or a cart plugin without writing code. If you have engineers, the API and webhooks are documented and the sandbox is yours as long as you need it. Descriptors, fraud rules and dispute alerts are configured with you, not left as defaults.

    • Technical contact
    • Bank account for settlement

  5. Step Five

    Live

    Processing, with a dashboard and a named person.

    Transactions, settlements, reserves and disputes in one dashboard. The person who underwrote your file is the person you call when a batch looks wrong. We stay close through the first settlements because that is when reconciliation problems actually surface.

    • Nothing further
The process in detail

Two questions

See if we can take you on.

Your industry and your monthly volume are enough for a straight answer on whether one of our acquiring partners writes your category. Nothing sensitive, no documents, no credit check — and if the answer is no, you hear it now rather than in three weeks.

  • Yes

    Our standard acquiring program writes your category. You get the document list in one message and a realistic range for your file.

  • Yes, via a specialist

    Your category needs a specialist acquirer. We name the one who writes it and what they will ask for.

  • Not yet

    Something in the model needs to change first. We tell you what, specifically, so the next application succeeds.

  • No

    Nobody is writing it right now. That answer costs you an afternoon instead of a month.

See if we can take you on

Two answers and we can tell you which acquiring partner writes your category. No documents, no credit check, nothing sensitive.

Takes you to the rest of the form with these answers already filled in.

Compare

Declined by Stripe, Square or PayPal?

Their own published policies, quoted and dated. Three categories below, twenty on the full page.
All twenty categories, with the quotes

Build on a platform that wanted your business.

Tell us what you sell. We will tell you whether we can place it, what the terms look like, and what underwriting will ask for.

Get approvedRequest sandboxor call (347) 594-9686