High-Risk Payment Gateway? Get Approved & Start Taking Payments
If you’ve been declined or flagged as high-risk, we’ll match you with compliant payment gateways and merchant accounts that support your sector and checkout.
We understand how stressful this feels
Processor terminations or repeated declines can halt sales overnight. Delay makes it worse and you can end up accepting poor terms or rolling reserves out of urgency.
Sales Stall, Cashflow Squeezes
No working gateway, or funds tied up in reserves, means lost sales and delayed payouts that starve day-to-day operations.
Trust Drops, Abandonment Rises
Broken payments or limited options erode credibility at checkout and push customers to abandon baskets.
Higher Fees & Rolling Reserves
High-risk profiles often face steeper processing costs and rolling reserves that eat into margins.
Monitoring, Fines, or Termination
Elevated dispute ratios can trigger card-network monitoring, fines, tougher terms, or even processor termination.
Get matched with the right provider
Having your Stripe account declined doesn’t have to be the end. We connect you with merchant account providers who understand your sector and risk profile.
Expert Matching
We connect you with providers who know how to work with businesses that have had Stripe decline their account.
Application Support
We help you strengthen your application, ensuring the documentation and business model address Stripe’s concerns.
High-Risk Specialists
We work with acquirers who are willing to consider applications even after a Stripe decline.
Ongoing Guidance
We provide long-term support so you're not just approved once, but remain compliant and confident.
What Our Customers Say...
Libby was fantastic in coming to the rescue to help me sort card machine for my business without any charge, would highly recommend.
I had a brief phone call with Libby to outline our needs and within an hour I was being called by a processing bank to get things moving. Our new provider has been set up within 48 hours and we are overjoyed and stress free. Thank you Libby, what a…
Great service 👍🏻
Great service, thank you
1st class service, nothing but good things to say about this business. From first contact nothing has been to much trouble.
Using merchant services has helped my business no end. Great service, really professional and nothing was ever too much trouble when asking questions. Thank you!
Great service from the team. Would highly recommend using them!
Great thanks to Merchant Advise Service and Libby James. We encountered a problem with our existing merchant that led us unable to process customer payments which as a small business was a disaster. Libby quickly matched us with a new merchant and…
I contacted Merchant Advice Service when our company received notice from a previous provider. We’re classed as “travel” due to the nature of our UK holiday business.
At the time we reached out to a few providers - however the advice we received fr…
Here's The Plan
Reach Out for a Free Consultation
Let’s talk about your business needs and challenges. We’ll guide you through your options.
Receive Tailored Options
We’ll connect you with payment gateway and merchant accounts that are ready to support your business, even if you’ve been declined before.
Open Your Account and Get Back to Business
With the right bank account in place, you can focus on growing your business, confident that your finances are in good hands.
Frequently Asked Questions
What is a “high-risk” payment gateway?
It’s a gateway/acquirer willing to underwrite businesses with elevated dispute risk, regulated products, future-delivery models or higher fraud exposure. Fees and terms can differ (e.g., reserves), but you gain a compliant route to take payments.
Why was I declined by my current processor?
Common reasons include restricted categories, high dispute ratios, unusual billing models, or incomplete documentation. Network monitoring programmes (Visa/Mastercard) also pressure acquirers to curb merchants with elevated dispute ratios.
What dispute rates put me at risk?
As a rule of thumb, aim to stay well below ~0.9% for Visa disputes and ~1.5% for Mastercard to avoid monitoring and penalties. We’ll help with prevention and representment tactics.
What paperwork helps approval?
Clear KYC, product/service detail, fulfilment timing, refunds/returns, shipping evidence, and a dispute-reduction plan (fraud tools, pre-notifications, post-purchase comms). This speeds underwriting and can reduce reserves.
Will I face a rolling reserve or held funds?
Possibly. Some providers hold a small percentage of settlements to mitigate risk, especially for new or higher-risk profiles. We’ll help you compare reserve terms and negotiate where possible.
How quickly can I go live?
Anything from a couple of days to two weeks depending on the sector, history and documents. Preparing the right evidence shortens timelines.
Get matched to a high-risk-friendly gateway today
Trade with a payments partner that supports your business model - even if others won’t.
