Services
What we set up, and what each part is for.
Where a spec table would normally carry a rate, a fee or a settlement time, it says set at underwriting instead. Those figures are real, they are just not ours to publish before your file exists.
High-risk merchant accounts
A merchant account placed with an acquirer that has written your vertical before, on terms you see in full before you sign.
Credit card processing
Acceptance across the four major card brands, with interchange handling and reporting that reconciles to your ledger.
Payment gateway
A PCI-scoped gateway with tokenisation, hosted fields, routing across multiple MIDs and a REST API that does not change under you.
ACH and eCheck
Bank-to-bank debits for large tickets, recurring service fees and any payment where card economics do not work.
Chargeback management
Pre-dispute alerts, automated refund rules and evidence-backed representment, measured against the ratio that decides whether you keep processing.
High volume and load balancing
Multiple merchant accounts across multiple sponsor banks, with volume split by rule so no single cap or exit stops your revenue.
Offshore merchant accounts
Acquiring outside the US where domestic policy has no route, with the trade-offs stated rather than buried.
B2B and Level III
Corporate and purchasing card acceptance with the Level II and III data that moves qualifying transactions into lower interchange categories.
Recurring billing
Subscription billing with account updater, intelligent retries and a cancellation path that does not manufacture disputes.
Virtual terminal and POS
Browser-based card entry for phone orders, plus countertop and mobile terminals, on the same account and the same reporting.
If you only take three
The minimum viable stack for a restricted vertical.
High-risk merchant accounts
A merchant account is the thing everything else hangs from: the agreement between you, an acquiring bank and the card networks that lets you take a card and receive the money. In restricted verticals the difficulty is never the technology. It is finding a sponsor bank whose written policy covers what you sell, and getting terms that survive the first portfolio review.
Payment gateway
The gateway is the layer your site talks to. Its job is to keep card data out of your systems, hand the transaction to the right acquirer, and give you one API regardless of how many merchant accounts sit behind it.
Chargeback management
In a restricted vertical, chargeback ratio is not a metric — it is the condition of your account. Cross a card-brand monitoring threshold and you enter a programme with fines, remediation plans and a clock. The point of chargeback management is to never get there.
Tell us what you sell.
Before anything sensitive changes hands, we will tell you whether a route exists for your vertical, roughly what shape it takes, and what underwriting will ask you for.