Why Dash Process
An honest account of what we do.
Who does what
Four parties, and only one of them approves you.
- You
- Sell something, take cards, carry the commercial risk of your own business.
- Dash Process (ISO)
- Prepare and place your file, negotiate terms, configure the gateway, manage the relationship. We do not underwrite you and we never hold your money.
- Acquiring bank
- Makes the credit decision, carries the chargeback liability, sets the reserve, and settles funds to your account.
- Card networks
- Set interchange, publish the rules, run the monitoring programmes and the dispute process.
What you can hold us to
Six commitments, none of them a statistic.
We tell you no early
If your vertical has no route right now, you hear it on the first call. A processor that collects your documents before checking whether a bank writes your category is wasting the only thing you cannot get back.
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.
Redundancy is the default, not an upsell
In restricted verticals accounts close because banks exit categories. A second MID at a second sponsor bank is the only protection against that, so we structure for it from the start.
One account manager, named
The person who takes your file to the bank is the person you call when a batch does not fund. Not a queue and not a rotating pool.
We explain the mechanics you will live with
Reserves, ratio thresholds, monitoring programmes and interchange qualification are the things that actually determine what processing costs you. They are documented here, in public, before you are a customer.
No published rate we cannot honour
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 a bait, not a quote.
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 submission data.
- Underwriting turnaround
- blocked
- Turnaround varies by vertical and acquirer. No single figure is honest.
- Number of banking relationships
- blocked
- Countable, but the count moves. Supply a figure and the date it was true.
- Gateway uptime
- attributable
- If quoted, it must be attributed to the gateway 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 MCC will not be offered.
- Chargeback representment win rate
- blocked
- Varies by reason code and vertical. Only quotable with the denominator attached.
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.
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.