Allied CardPay helps businesses that face additional underwriting review pursue credit card processing through specialized merchant account relationships, appropriate gateway tools, and a clearer application process.
Traditional processors may decline a business because its industry or operating model falls outside their risk policy. Specialized credit card processing focuses on presenting the business accurately, selecting an appropriate acquiring relationship, and configuring controls that protect both the merchant and processor.
Provide a complete picture of products, marketing, fulfillment, ownership, transaction volume, average ticket, refund policy, and processing history.
Match the business with processing relationships that review its actual industry and risk characteristics instead of relying on a one-size-fits-all policy.
Use fraud controls, clear billing descriptors, refund management, chargeback monitoring, and accurate volume projections to support long-term processing.
Requirements vary by bank and business, but underwriting commonly reviews a completed application, government-issued identification, business formation records, a voided business check or bank letter, recent bank statements, prior processing statements when available, product and fulfillment information, and a compliant website. Higher volume, future-delivery, or elevated-risk accounts may require additional financial information or reserves.
Support secure ecommerce checkout, hosted payment pages, virtual terminal transactions, invoices, recurring payments, and compatible gateway integrations.
For eligible businesses, accept card-present transactions using compatible countertop, wireless, mobile, or smart-terminal equipment.
When appropriate, supplement card acceptance with high-risk eCheck processing or other bank-payment options.
Tell Allied CardPay about your industry, processing history, sales method, monthly volume, average ticket, and fulfillment timeline.
Call 866-656-7725