Every page below was written by people who've read the bank's side of the file: what your vertical actually gets flagged for, the documents that clear it, and the rate band you should expect. Each one books straight into underwriting.
The COA is the account — verified product, verified money.
banned · StripeYour FFL is the strongest card in the file.
banned · PayPalAn age-gate problem. Solve it, get paid.
banned · StripeAccounts live and die on the rebill.
banned · SquareLegal, restricted, placeable — paperwork done right.
restrictedRegulated isn't unbankable. Undocumented is.
CROAThe trust account does the talking.
licensedPrescription first, payment second — in that order, you're bankable.
Rx flowBanks underwrite the comp plan, not the jokes.
FTC-scrutinizedCharge in January, fly in June — the gap is the file.
delayed deliveryEvery ticket is a promise with a date on it.
event risk$10k invoices don't scare banks. Undefined ones do.
high ticketA 36-month promise, priced today.
future performanceRecurring reads as risk — until you show the math.
CB-sensitiveThe dispute is about the paperwork at the door.
CB-sensitivePriced like adult. It shouldn't be — prove the difference.
CNP