Why Dash Process
An honest account of what we do.
Who does what
Four parties, one relationship.
- You
- Sell something, take payments, run your business. Your merchant agreement is with the acquiring bank; your platform relationship is with us.
- Dash Process
- Prepare and present your file, put the bank's terms in writing before you sign, and run the checkout, API, dashboard, reporting and support you use every day. One relationship, however many accounts.
- The acquiring bank
- Underwrites your application, provides the merchant account, holds and settles your funds, sets the reserve, and carries the account and its chargeback liability. The decision is the bank's; we make sure the file it sees is complete.
- Card networks
- Set interchange, publish the rules, run the monitoring programs and the dispute process. Nobody in this list negotiates with them.
Where a category needs a specialist acquirer, we present the file there — and we say so before you send a document, not after. You still get one dashboard and one relationship; only the acquirer changes.
What we will not claim
The figures we are not publishing, and why.
- 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.
When a figure is confirmed with a source and a date, it appears — with the source and the date attached. Until then the slot stays empty, because an empty slot beats a number that has to be walked back on a sales call.
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.
What you can hold us to
Six things, none of them a statistic.
Built for every business, including the categories others decline
Standard-risk retail, services and platforms, and the restricted verticals most processors will not touch. Underwriting those is part of the product, not an exception we make. If your business is legal and you run it well, your category should not decide who will process you.
One platform in front of the bank
Your acquiring bank underwrites the account and carries it. We prepare the file, know which of our acquiring partners writes your category, and stay the one platform and one relationship you deal with every day. Where a category needs a specialist acquirer, we say so on the first call.
Terms in writing before signature
Rate, caps, reserve rate, reserve term, funding schedule, and the conditions for changing any of them. Not a rate sheet with an asterisk.
One platform for everything
Cards, ACH, payouts, disputes and reserves in one dashboard, behind one API and one relationship. Not a merchant account here, a gateway there, and a chargeback vendor somewhere else.
Reserves explained, not imposed
Reserves are set and held by the acquiring bank against the account's chargeback exposure. We publish exactly how they work, month by month, before you are a customer, and you see your own reserve terms in writing before you sign — not on the first statement.
No published rate we cannot honor
There is no headline percentage anywhere on this site. Restricted-vertical pricing is set at underwriting against your file, and a teaser rate you will never be offered is bait, not a quote.
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.