Terminated by Dojo? Here’s How to Get a High-Risk Merchant Account

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

Introduction to Dojo Terminated Accounts

Experiencing the termination of your high-risk merchant account by Dojo can be an incredibly frustrating ordeal. However, it is crucial to remember that there are still viable options available. This article aims to guide you through the process of obtaining a new high-risk merchant account after termination, providing user-focused and friendly advice to help you overcome this setback.

What To Do When Your High-Risk Merchant Account Gets Terminated By Dojo

Receiving a termination notice from Dojo regarding your high-risk merchant account can leave you feeling uncertain about your next steps. In order to effectively address this situation, consider the following steps: 


Remain calm and assess the situation: Take a moment to collect your thoughts and gain a clear understanding of the reasons behind the account termination. Keeping a level head will enable you to approach the issue constructively. 


Familiarise yourself with Dojo’s policies: Gain a comprehensive understanding of Dojo’s guidelines and regulations to gain insight into the specific reasons behind the account termination. This knowledge will help you identify areas where improvements can be made to prevent similar issues in the future. 


Explore alternative high-risk merchant account providers: Conduct thorough research to identify other reputable high-risk merchant account providers that specialise in supporting businesses similar to yours. Look for providers with a wealth of experience, a strong track record, and a deep understanding of your industry. 

Seek professional guidance: Consider consulting with a merchant account specialist who can provide tailored advice based on your unique circumstances. Their expertise can prove invaluable in navigating the complexities associated with obtaining a new high-risk merchant account and significantly increase your chances of success.

Why Dojo Terminates High-Risk Merchant Accounts

Dojo, like any other payment processor, terminates high-risk merchant accounts for various reasons. Familiarising yourself with these common factors can help you avoid similar pitfalls in the future. 

Some reasons include: 


Excessive chargebacks: High chargeback ratios can raise concerns for payment processors, indicating potential issues with customer satisfaction or fraudulent activity. 


Violation of terms and conditions: Failure to comply with Dojo’s terms and conditions, such as engaging in prohibited activities or selling prohibited products, can result in account termination. 


Unresolved disputes: Failure to resolve disputes between you and your customers can reflect negatively on your business and potentially lead to account termination. 


Non-compliance with regulations: Failure to comply with industry regulations and standards, such as security requirements or proper documentation, can trigger account termination. 

How To Get A High-Risk Merchant Account After Termination

Rebuilding your payment processing capabilities after termination requires careful planning and strategic action. Follow these steps to increase your chances of obtaining a new high-risk merchant account: 


Address the issues: Identify the specific reasons behind your account termination and take appropriate steps to rectify them. Implement measures to reduce chargebacks, actively resolve disputes, and ensure compliance with regulations and terms of service. 


Prepare supporting documentation: Compile a comprehensive package of supporting documentation to demonstrate your commitment to resolving past issues and operating a legitimate business. This may include financial statements, customer satisfaction policies, dispute resolution processes, and evidence of implemented security measures. 


Research reputable high-risk merchant account providers: Conduct thorough research to find reputable high-risk merchant account providers who are experienced in supporting businesses in your industry. Look for providers with a proven track record and positive customer reviews. 


Submit a well-prepared application: Present your case in a professional and convincing manner when applying for a new high-risk merchant account. Highlight the actions you have taken to address past issues, provide evidence of improved processes, and demonstrate your commitment to long-term business success. 

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Can I appeal the termination of my high-risk merchant account by Dojo?
Yes, you can submit an appeal to Dojo detailing your case and any corrective measures you have taken. However, the success of an appeal depends on the specific circumstances and Dojo’s policies.
How long does it take to get a new high-risk merchant account after termination?
The timeframe for obtaining a new high-risk merchant account can vary depending on several factors, including the provider’s application process, the completeness of your documentation, and the complexity of your business model. It is advisable to start the process as soon as possible.
Will my termination by Dojo affect my credit score?
No, the termination of your high-risk merchant account by Dojo does not directly impact your credit score. However, it may affect your ability to obtain another merchant account in the future.
Can I get a high-risk merchant account with a history of chargebacks?
While a history of chargebacks can make it more challenging to obtain a high-risk merchant account, it is not necessarily impossible. Working with a knowledgeable merchant account specialist can help you explore options and increase your chances of success.
Is it possible to reinstate a terminated high-risk merchant account with Dojo?
While reinstating a terminated high-risk merchant account with Dojo can be challenging, it is not entirely impossible. It depends on the specific circumstances and the reasons behind the termination. It is advisable to reach out to Dojo directly, present your case, and provide evidence of significant improvements and changes that address the initial concerns.
What factors should I consider when choosing a high-risk merchant account provider?
When selecting a high-risk merchant account provider, it’s important to consider several factors. Look for providers with a strong reputation, a track record of supporting businesses in your industry, transparent pricing structures, reliable customer support, and robust security measures.
Can I switch to a different high-risk merchant account provider after termination by Dojo?
Yes, you can switch to a different high-risk merchant account provider after termination by Dojo. However, it is crucial to address the issues that led to termination and choose a provider that aligns with your business requirements and goals.
What can I do to prevent future account terminations?
To prevent future account terminations, focus on maintaining a solid track record of customer satisfaction, resolving disputes promptly, and ensuring compliance with industry regulations. Implement robust risk management practices, including fraud prevention measures and chargeback monitoring systems.

How Merchant Advice Service Can Help

At Merchant Advice Service, we understand the complexities associated with obtaining a new high-risk merchant account after termination. Our team of experts is dedicated to providing user-focused, friendly, and professional guidance tailored to your unique circumstances. Whether you require assistance in finding reputable high-risk merchant account providers or need expert advice on improving your business practices, we are here to support you every step of the way. To learn more about how Merchant Advice Service can help you rebuild your payment processing capabilities, visit our page on obtaining a high-risk merchant account.



Navigating the complexities of high-risk merchant services doesn’t have to be a daunting task for business owners. Whether you’ve faced account termination from Dojo or are simply applying for a high-risk merchant account, there are viable options and guidance available. 


By understanding your processing history, adhering to terms and conditions, and maintaining stable bank statements, you can improve your chances of success in credit card processing. Reliable payment gateways and transaction volume are key factors to consider, especially for those in high-risk industries or with poor credit. 


With professional advice and a well-prepared application, accepting card payments can become a streamlined aspect of your product service, even if you’ve had a history of bad credit or higher risk card transactions.

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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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