Questions we hear from every frozen merchant.

Just your business email and a rough sense of your monthly processing volume. If you attach a recent processing statement, we can turn your review around faster and give you a much more specific analysis — but a statement is not required to get the process started.

It is genuinely free and there is no obligation to apply or switch processors. We do the review because it starts a real conversation — merchants who see an honest read of their statement tend to know whether the fit makes sense without us having to sell them. If it is not a fit, we will tell you that too.

We work with two groups: research-use-only (RUO) B2B sellers who document their products for laboratory, academic, or industrial research purposes, and pharmacy or Rx-licensed merchants operating under the appropriate regulatory framework. We do not board consumer health-claim businesses — anti-aging, weight loss, human dosing, or similar consumer wellness marketing. We will tell you within 24 hours whether you fall in the lawful lane we work with.

Your statement is used only to prepare your review — it is not shared with third parties, sold, or used for any other purpose. We treat it as confidential business information throughout. If you request deletion after your review, we honor that. We follow PCI-DSS data security practices across our systems.

Within 24 hours for complete submissions. If we have questions about your statement or need a clarification to give you an accurate analysis, we will reach out before delivering the review rather than sending you something incomplete.

The review covers three things in plain language: your current cost structure (what you are actually paying, broken down by fee category), your risk indicators (the chargeback and compliance patterns that underwriters flag in your specific industry), and your underwriting readiness (what documentation would be needed and whether anything in your current setup would slow or block approval). No technical jargon, no sales pressure — just a straight read of your file.

Nothing — the review is informational and creates no obligation. If you want to explore an application after seeing the review, we walk you through the underwriting process. If you decide to stay with your current processor or take more time, that is a completely fine outcome. The review is yours to keep and reference whenever you are ready.

Most clean applications reach a pre-vet decision within 24 hours of submitting a complete file. Full boarding — dedicated merchant account live and processing — typically takes between five and ten business days for applicants who have their documentation in order. We will tell you upfront if anything in your file is likely to extend that timeline.

No. In fact, we recommend the opposite. A parallel processing setup — running your current processor alongside a new account — is the safest way to migrate without a revenue gap. You run both for a period, confirm the new account is performing as expected, then cut over at your own pace. You are in control of the timing.

We can still do a review and evaluate an application. The review is actually more useful in this situation because it helps us understand exactly what triggered the termination and how your file will look to a new underwriter. If your funds are currently frozen with another processor, we can also help you understand the release process and timeline based on your original processing agreement.

Typically business formation documents, a government ID for the principal owners, a recent bank statement, recent processing statements if you have processing history, and your product and website documentation. Research-use-only sellers should also have their RUO labeling, terms of sale, and buyer-qualification process ready. We give you the exact checklist for your situation after the review so nothing gets requested twice.

The most common triggers are marketing language that reads as human-consumption or health claims, a mismatch between the products listed at underwriting and what is actually sold on the site, chargeback activity climbing above the processor thresholds, and sudden volume spikes that were never disclosed. Almost all of these are documentation and messaging problems rather than product problems, which is why the review focuses on them first.

We focus on merchants with a US entity and a US business bank account. If you operate internationally but have a US entity in place, a review is still worthwhile. If you have no US presence at all, we will say so quickly instead of putting you through an application that cannot be approved.

In most cases yes. Mainstream carts and gateways are supported, and the goal is to change as little as possible in your checkout. If a specific integration is not workable, we tell you during the review rather than after you have committed time to an application.

A chargeback is a customer reversing a card payment through their issuing bank. Processors watch your chargeback ratio closely, and sustained elevated levels are one of the fastest ways to lose an account. Practically, the fixes are clear billing descriptors, accurate product and shipping-time descriptions, responsive support with an easy refund path, and prompt evidence-backed dispute responses. Your review flags which of these patterns is driving your current numbers.

Each legal entity and storefront generally needs its own reviewed and approved setup. Multi-entity operators are common in this space and we structure boarding so each entity is clean on its own file — that is what keeps one brand having a bad month from putting the others at risk.

Research-use-only means the product is sold business-to-business for laboratory, academic, or industrial research, with labeling, terms of sale, and buyer qualification that reflect that. Consumer sales market to individuals for personal use and typically carry health, dosing, or outcome claims. The distinction drives everything in underwriting, so we ask about it early and are direct about which lane your business is actually operating in.

Reach out through the contact form and describe your situation in a couple of sentences. You will get a straight answer from a person, and if the honest answer is that we are not a fit, you will hear that instead of a sales pitch.