About
What we are, and how we work.
Reviewed
The model in one paragraph
Any legal business can process with us. The reason we exist is the ones that cannot process elsewhere: legal, well-run businesses declined every day for what they sell rather than how they run. Mainstream processors publish the categories they will not touch, and the list is long. We built a platform around acquiring partners that write every category, including those. We prepare and present the file, put the bank’s terms in writing before signature, and run the checkout, API, dashboard and support the merchant uses every day. The acquiring bank underwrites the application, holds and settles the money, sets the reserve and carries the account. Where a category needs a specialist acquirer, we say so before documents.
Because our residual depends on accounts that stay open, we publish exactly how the bank’s reserves and monitoring programs work, month by month, before anyone is a customer.
How we work
Five commitments, none of them a statistic.
We prepare the file; the bank decides
We do not pretend to underwrite. We assemble your application against what the acquiring partner for your category actually asks for, present it, and tell you what it said. A file that arrives complete is the single biggest thing anyone controls about how long this takes.
The document list arrives once
Every item we will ask for, in one message, with the reason it is on the list. Most delays in this industry are one more item requested every second day.
Terms in writing before signature
Rate, fees, caps, reserve, funding schedule and the conditions for change — one sheet, before you commit. If a processor will not do that, that is your answer about them.
A straight answer on the first call
Standard program, specialist acquirer, or no route today. You hear which before you send a document, because time is the only thing this process can waste that you cannot get back.
Nothing on this site we cannot honor
No approval rate, no turnaround, no teaser rate, no logo wall. The register of what we refuse to publish, and why, is below.
How we decide what to publish
The figures we refuse to claim.
- Approval rate
- blocked
- No approval-rate figure is published anywhere on this site until it can be sourced from real underwriting data.
- Underwriting turnaround
- blocked
- Turnaround varies by vertical and by how complete the file arrives. No single figure is honest.
- Settlement and payout timing
- blocked
- Set per program and per merchant. Quoted in your agreement, not on a marketing page.
- Platform uptime
- attributable
- If quoted, it must be attributed to the processing provider and never phrased as ours.
- Effective processing rates
- blocked
- Set at underwriting per merchant. A published rate anchors merchants on a number a restricted category will not be offered.
- Chargeback win rate
- blocked
- Varies by reason code and vertical. Only quotable with the denominator attached.
- Early termination fee
- blocked
- Term length and any early-termination provision are stated in the agreement and pointed at before signature. Not claimed either way on a marketing page.
- Payout rails beyond ACH
- blocked
- ACH is what we commit to. Further rails are stated per program in your agreement, not promised here.
A processor that will not put the reserve rate, the volume cap and the termination clause in front of you before signature has already answered your question about them.
Where to find us
A person answers.
Tell us what you sell.
Before anything sensitive changes hands, we will tell you whether one of our acquiring partners writes your vertical, roughly what the terms look like, and what underwriting will ask you for.