High-risk merchant accounts
Merchant accounts for the businesses banks call difficult.
Dash Process gets restricted and high-risk businesses approved for card processing. We take your file to acquiring banks that have written your industry before, and we tell you on the first call if no route exists.
- Placed with banks that write your category
- One account manager, start to finish
- Gateway, ACH and chargeback tools included
- Terms in writing before you sign
What we do
We are the part between you and the bank.
We find the bank that will say yes
Acquirer appetite for restricted categories changes every quarter. We submit your file to the banks writing your industry now, instead of spending your application on one that was never going to write it.
We prepare the file properly
Most declines are avoidable — a missing licence, a refund policy that contradicts the checkout, a descriptor nobody set. We review all of it before it goes anywhere near an underwriter.
We stay after you are approved
Gateway setup, descriptors, fraud rules, chargeback alerts, and a person to call when a batch does not fund. Boarding is where most processors stop paying attention.
Industries
The businesses we get approved.
Regulated products
Health & wellness
Financial services
Recurring & direct response
Travel & high ticket
Services
Everything the account needs to work.
High-risk merchant accounts
A merchant account placed with an acquirer that has written your vertical before, on terms you see in full before you sign.
Credit card processing
Acceptance across the four major card brands, with interchange handling and reporting that reconciles to your ledger.
Payment gateway
A PCI-scoped gateway with tokenisation, hosted fields, routing across multiple MIDs and a REST API that does not change under you.
ACH and eCheck
Bank-to-bank debits for large tickets, recurring service fees and any payment where card economics do not work.
Chargeback management
Pre-dispute alerts, automated refund rules and evidence-backed representment, measured against the ratio that decides whether you keep processing.
High volume and load balancing
Multiple merchant accounts across multiple sponsor banks, with volume split by rule so no single cap or exit stops your revenue.
Offshore merchant accounts
Acquiring outside the US where domestic policy has no route, with the trade-offs stated rather than buried.
B2B and Level III
Corporate and purchasing card acceptance with the Level II and III data that moves qualifying transactions into lower interchange categories.
Recurring billing
Subscription billing with account updater, intelligent retries and a cancellation path that does not manufacture disputes.
Virtual terminal and POS
Browser-based card entry for phone orders, plus countertop and mobile terminals, on the same account and the same reporting.
How it works
Five steps to a working account.
Step One
Scope
What you sell, how you sell it, what you process now.
A short conversation before anything sensitive changes hands. We tell you whether a route exists for your vertical and roughly what shape it takes. If there is no honest route, you hear that here rather than after two weeks of document collection.
- Vertical and product
- Monthly volume, current and forecast
- Current processor, if any
Step Two
File
The application, the financials, the compliance evidence.
The document list is fixed per vertical and we send it in one message rather than in a trickle. Most delays in this industry are caused by a processor asking for one more thing every second day; the list you get on day one is the whole list.
- Application and ownership detail
- Three to six months of statements
- Vertical-specific compliance documents
Step Three
Submit
To the banks whose current policy covers you.
Your file goes to acquirers writing your MCC now. We say which ones and why. Where a vertical supports it we submit to more than one so a single decline does not restart the process, and we tell you when a second submission would hurt rather than help.
- Approval to submit, per acquirer
Step Four
Terms
Rate, caps, reserve, and what can change.
You see the discount rate, per-transaction fee, monthly and per-transaction caps, reserve rate and term, funding schedule, and the conditions under which any of them can be revised — in writing, before signature. If a processor will not put those in front of you, that is your answer about them.
- A decision
Step Five
Board
Gateway live, descriptors set, first batch settled.
Gateway credentials, descriptor configuration, fraud rules, chargeback alerts and any cart or API integration. We stay on it through the first settled batch, because that is when reconciliation problems actually surface.
- Technical contact
- Bank account for settlement
Why Dash Process
Six things you can hold us to.
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.
Questions
The ones merchants actually ask.
What you will not find here
- An approval rate nobody can source
- A turnaround time that ignores your industry
- A teaser rate your category will never be offered
- A logo wall of customers who did not agree to it
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.