Stripe
Not listed
Square
Not listed
PayPal
Not listed
Dash Process
Standard programVolume caps set against real forecasts, multiple MIDs for headroom, fraud rules configured to your orders.
What we ask forRecurring & direct response
Standard programE-commerce payment processing
Volume, cross-border traffic or a single restricted SKU can move an ordinary online store into restricted underwriting.
Commonly assigned MCC
5999 · 5964 · 5311
The category actually assigned is set at boarding and can differ from these.
Reviewed
The short version
Plenty of e-commerce businesses end up in restricted underwriting without selling anything unusual. Rapid growth, international traffic, dropshipped fulfillment with long delivery windows, or one restricted SKU in an otherwise ordinary catalog will do it.
The answer is usually structural rather than remedial: the right MID configuration, caps set against actual volume, and fraud rules built for your order profile rather than a default template.
What is actually being priced
What underwriting is looking at.
Growth outruns the cap
Monthly volume caps are set at boarding and a good quarter breaches them, which triggers holds at exactly the wrong moment.
Long delivery windows
Dropshipping from overseas stretches the gap between charge and delivery, which is where item-not-received disputes live.
Cross-border fraud pressure
International card-not-present traffic carries higher fraud rates and higher interchange at once.
What their lists say
Stripe, Square and PayPal on e-commerce.
Their own published policies, quoted verbatim and dated, next to where the category stands with our acquiring partners.
In the product
What your application looks like from your side.
The same five stages we publish on the site, a named contact, and the document list for e-commerce in one place — received, requested, or not needed.
How it worksMeridian Botanicals/Application
Sandbox- Apply
- Underwriting
- Approve
- Integrate
- Live
Underwriting in progress
Acquiring review · E-commerce program · MCC 5999
Documents · 3 of 4 received
- Twelve months of volume history and a forward forecastReceived
- Fulfillment model and average delivery timeReceived
- Refund and chargeback ratesReceived
- The platform and gateway you run todayRequested
What we put in place
- Volume caps set against real forecasts and reviewed as you grow
- Multiple MIDs with load balancing for redundancy and headroom
- Fraud scoring, 3-D Secure and velocity rules configured to your orders
- Cart and platform integrations, or a direct API
What underwriting will ask you for
Assemble these before you apply anywhere. The list does not get shorter by waiting, and having it ready is the single biggest thing you control about how long this takes.
- Twelve months of volume history and a forward forecast
- Fulfillment model and average delivery time
- Refund and chargeback rates
- The platform and gateway you run today
Questions
About e-commerce.
Volume growth that outruns a default cap, a product line that drifts into a restricted category, a dispute ratio that drew a warning, or a termination from a mainstream platform. Any of those puts an ordinary store in the same place as a restricted one.
Against your real forecast, in writing, and reviewed as you grow rather than left at a default that a good month breaches.
Fraud scoring, 3-D Secure and velocity rules configured to your order patterns during onboarding, not left at defaults that decline good customers.
On this account
What an account in this vertical usually runs on.
Also in recurring & direct response
Tell us about your e-commerce business.
We will tell you which of our acquiring partners writes it and what your file needs before it goes anywhere.