We underwrite legal businesses — transparently.
Approval depends on KYC/KYB, compliance, processing history, and card brand rules — not arbitrary category bias. We never support gambling, casinos, betting, or illegal businesses.
Low Risk Businesses
Low Risk • Fastest ApprovalIdeal starter profiles: low chargeback history, tangible goods or clearly defined services, established fulfillment. Often approved same-day with best effective rates and next-day funding.
Examples
Typical Terms
- Interchange + 0.3% to 0.8% + $0.10
- Next-day funding eligible
- 24-48h approval
Medium Risk Businesses
Medium Risk • Enhanced ReviewLegal but higher monitoring due to delayed fulfillment, higher ticket, or regulatory nuance. Requires compliance docs, fulfillment proof, and clear refund/terms pages.
Examples
Typical Terms
- Interchange + 0.6% to 1.4% + $0.15
- T+1 to T+2 funding
- 2-4 day approval after docs
Compliance Emphasis
All marketing claims must be FTC compliant, no disease cure claims for supplements, clear T&C and auto-renewal disclosure for memberships.
High Risk Businesses — Legal Only
High Risk • Strict ComplianceHistorically challenging verticals that are legal and card-brand permissible when licensed and documented. Every application undergoes senior underwriting review.
Examples (Where Legally Permitted & Licensed)
Typical Terms
- Interchange + 1.2% to 2.5% + $0.20
- T+2 funding, weekly reserve release
- 3-5 day review + docs validation
Required for High-Risk Review
- State license where applicable
- Detailed fulfillment & customer service process
- Prior processing statements 6 months
- Chargeback history & remediation plan if >0.5%
- Terms, Privacy, Refund URLs (live)
Not sure which bucket you fall into?
Describe your business and we’ll give a preliminary risk assessment with no credit impact — free.