Accepting new merchants · Underwriting daily

The banks said no.
We underwrite the yes.

Real underwriters, honest pricing, and a straight line from application to approved.

No application fee · No obligation · 15-minute call, then one form
24–48h
typical underwriting time
16
hard verticals, each with its own playbook
$0
application & setup fees
T+1
funding on most accounts
Shut down by Stripe, Square, or PayPal?
Bring the termination email to your call — it tells us exactly which bank to route you to. Most rescues are processing again inside a week.
Book the rescue call
Engraved illustration of an underwriter reviewing a merchant file at a banker's desk
Humans, not risk scripts

A person reads your file. Before the bank does.

Aggregators approve you in seconds and let an algorithm terminate you later. Here, an underwriter shapes your file first — so the yes actually holds.

Who we serve

Hard verticals are our whole business.

If Stripe, Square, PayPal, or your bank shut you down — that's not a red flag here. It's our Tuesday. Every vertical below has its own page, its own underwriting playbook, and its own booking form.

Don't see yours? If it's legal and documented, there's usually a bank for it. Ask underwriting directly →
How it works

One call. One form. One approval.

01 · TODAY

Book the call

15 minutes with the underwriter who places your file — not a sales script.

02 · SAME DAY

One application

10 minutes, once. Shaped to the bank most likely to approve your vertical.

03 · 24–48H

Underwriting

Real humans, real files. Terminated before? That changes routing, not outcome.

04 · THIS WEEK

You're live

Gateway keys or terminal, processing with next-day funding.

Where the money goes

Every basis point, accounted for.

Interchange-plus means the split is visible. Watch it move.

CARD $100 Your customer pays you VISA·MC −$1.80 Networks & issuing banks interchange — set by Visa/MC, same for everyone NLINE −$1.25 Northline our stated margin — you see it on every statement YOU $96.95 Your bank account funded next business day
$

Your customer pays $100.00

Networks take $1.80

Interchange — set by Visa/Mastercard, identical for every processor.

Northline takes $1.25

Our stated margin. It's on every statement.

You're funded $96.95, next day

~1.8%
Interchange — the card networks' cut. Fixed. Nobody can discount it; anyone who says otherwise is hiding it in your rate.
+1.15%
Our margin, quoted plainly at signup. High-risk verticals pay more than low-risk — but you'll always know exactly how much.
T+1
Settlement to your account next business day on most accounts. Reserves only where an acquiring bank requires them — with a written release schedule.
Engraved illustration of a neoclassical bank building with radiating sun rays
Institutional rails

Boutique front door. Bank-grade back end.

Your account settles on full-service processing infrastructure with multiple sponsoring acquirer banks — routed to the one whose appetite matches your vertical.

Pricing

Priced by risk. Shown in full.

Interchange-plus, always. Published, itemized, and confirmed in underwriting — honest ranges, not bait.

Standard risk
IC + 0.40% + 15¢ / txn
  • Effective ≈ 2.2–2.6% all-in
  • $15/mo · no setup, no annual
Most of our merchants High-risk e-commerce
IC + 1.15% + 25¢ / txn
  • Effective ≈ 3.1–3.8% all-in
  • IC + 0.80% past $100k/mo
Hard to place
Custom quoted on your file
  • Typically 3.9–5.9% all-in
  • Written reserve schedule, always
Bring your stack

Keep your cart. Keep your gateway.

GATEWAYSAuthorize.netNMIUSAePay
CARTS & PLATFORMSWooCommerceShopify*BigCommerceMagentoClickFunnels
CUSTOMREST APIHosted fieldsWebhooksVirtual terminal

Migration is usually a credentials swap, not a rebuild. *Shopify via supported high-risk flows — ask on the call.

Engraved illustration of a small storefront with striped awning and a card terminal in the window
Real businesses

Built for the shop the algorithms flagged.

Smoke shop with tax stamps, CBD brand with lab reports, coach with a real curriculum — legal businesses deserve terminals, carts, and payouts that don't vanish.

Why merchants stay

Built for the second chance — done right the first time.

Built for high-risk

Hard verticals aren't the exception here — they're the entire book.

Approved in 24–48h

Real underwriting, fast — because the file is shaped right before it's submitted.

A human on your file

Named underwriting contact, direct line. No ticket queues.

Scales with you

IC + 0.80% kicks in automatically past $100k/mo. Multi-bank routing grows with volume.

Straight answers

The questions everyone actually asks.

I've been terminated / I'm on the MATCH list. Can you still place me?
Almost always, yes. MATCH narrows which banks take your file — it doesn't zero them out. Expect honesty about pricing and reserves before you sign anything.
How fast can I actually be processing?
Docs ready → most files clear underwriting in 24–48 hours and are live the same week. Complicated files take longer, and we say so upfront.
Will I have a rolling reserve?
Only if the acquiring bank requires one — typically 5–10% on a 6-month cycle, with the release schedule in writing. See the diagram →
Is there a contract or termination fee?
Month to month, $0 early termination. We keep merchants by being good at this, not by locking the exit.
15 minutes · no obligation

Put a real underwriter on your calendar.

  • A straight answer on the call — can we place you, at roughly what rate
  • No SSN, no credit pull, no sales script
  • Hold the slot in 60 seconds; finish the application whenever suits
Ready when the banks aren't

Fifteen minutes to a real answer.

Book the call. If we can't place you, we'll say so on the spot — and tell you who might.

✓ $0 application✓ No obligation✓ Month-to-month✓ 24–48h underwriting