Approved, not declined.
We underwrite e-commerce and subscription businesses in categories most processors avoid, and place them with acquirers that want the volume — priced so the account is workable.
Request a reviewPlaced on a platform built for the category.
Card-not-present businesses in restricted categories don't fail because of volume — they fail because they were boarded on an account never designed for them, and got shut off at the first spike.
We place these on Inovio Pay, a global card-not-present platform that knowingly boards categories most acquirers decline and prices them to last.
Find your category
CBD & hemp
Hemp-derived products, lab documentation
Nutraceuticals
Supplements and wellness DTC
Coaching & courses
Info products and digital delivery
Subscription billing
Continuity and recurring rebills
Firearms accessories
Accessories and outdoor, network-permitted
Ticketing & events
Future delivery and settlement timing
Debt relief
Credit repair and debt settlement
Vape & smoke
Accessories, age verification required
Peptides
Research chemicals, documentation heavy
Travel & bookings
Future delivery, deposit and balance
The underwriting checklist
- 01
Three months of processing statements
Volume, average ticket, and chargeback history. If you don't process yet, we estimate together.
- 02
Business formation and ownership
Articles, EIN, and beneficial ownership. Acquirers verify who is behind the account before boarding.
- 03
A working site with required policies
Live checkout, clear product descriptions, and visible refund, terms, and privacy policies. Missing policies are the most common preventable decline.
- 04
Bank statements and a voided check
Three months of business banking to confirm cash flow and the settlement account.
- 05
Fulfillment and billing descriptors
How and when you deliver, and the descriptor customers see on their statement. This drives chargebacks.
Staying under the threshold is part of the account.
High-risk accounts don't get shut down for volume — they get shut down for chargebacks. The card networks run monitoring programs that fine an account once it crosses a ratio, and the fines arrive before any warning does.
Under the rules in effect since April 2026, Visa's Acquirer Monitoring Program (VAMP) flags a merchant at a combined fraud-and-dispute ratio of 1.5%, and Mastercard's Excessive Chargeback Merchant program starts at 1.5% with at least 100 monthly chargebacks. Cross either and you draw fees, not a courtesy call.
Visa's excessive tier requires both conditions — the 1.5% ratio and at least 1,500 combined fraud and dispute items in a month — so smaller merchants usually hit Mastercard's threshold first.
We wire in prevention alerts and representment support at boarding, so disputes get answered before they count against the ratio. Clear billing descriptors, delivery confirmation, and responsive support do more to protect an account than any single tool — and we set those up with you at boarding, not after the first letter.
What won't get approved
- Businesses that misrepresent what they sell — it surfaces in underwriting and ends the relationship.
- Products prohibited outright by the card networks, regardless of state law.
- Sites with no live checkout, no refund policy, or no way to reach support.
Describe the business accurately and we'll find the door that opens.
Tell us about your business. We'll tell you who will board it.
Describe what you actually sell and how you deliver it. We'll match you to an acquirer that wants the volume — or tell you plainly if it won't board.