Common Payment Problems for Merchants
When card processing is restricted or withdrawn, what happens next depends on the stated reason and the evidence you can put behind it. These pages cover the situations we are contacted about most.
Merchant problems
Merchant account terminated
A termination stops your ability to take card payments and follows you into your next application, so the first job is understanding the stated reason and gathering evidence, before approaching another provider.
Chargeback rate too high
A rising chargeback rate is the most common reason processing is restricted or withdrawn, and because schemes measure it monthly against your transaction count, it can cross a threshold faster than most merchants expect.
No processing history
Without statements to review, an underwriter has to assess your plan rather than your track record, so the questions shift to what you sell, when the customer receives it, and whether your volume expectations are credible.
A rolling reserve was requested
A reserve is not a rejection: it is the provider holding part of your settled funds to cover refunds and disputes that may arrive after you have been paid. What matters now is understanding the exact terms and what your cash flow looks like under them.
Provider asked for more documents
A document request usually means underwriting is still open rather than closing: something in the file cannot be verified yet. The fastest applications are the ones where every requested item arrives complete and consistent the first time.
Multi-currency settlement needed
Selling in several currencies and being settled in several currencies are different things: you can charge a customer in their currency on almost any route, but being paid out in that currency depends on what the specific provider supports.
Check which payment routes may fit your business
Answer a short set of questions about your business and we will check your profile against the requirements providers have given us. No approval is decided here.
Start assessmentNothing is shared with a provider until you submit your onboarding pack. Approval is always the provider's decision.