Questions merchants ask us

We set up and orchestrate your payment stack: merchant accounts, gateway setup, 3DS and fraud scrub, and dispute alerts like RDR, Ethoca and VDO, matched to how you sell. After you’re live we keep consulting on the account: monitoring chargebacks, approval rates, fraud tools and fees, and helping you grow.

Most providers open your account and move on to the next one. We stay with you. We plan for the long haul: watching your ratios, fees and fraud tools every day, fixing problems before they put the account at risk, and adding capacity when you’re ready to grow. The goal is simple: keep you open, and keep you growing.

A processor can only offer its own program. We work with multiple processing partners, so we can submit your business to the one whose underwriting fits your industry and history. And we stay with you after approval instead of handing you to a support queue.

You get a bird’s-eye view of your processing across every account, and a consultant who reviews it with you. We watch your ratios against card-brand thresholds, check your statements for fee creep, tune your fraud scrub and dispute alerts, and help you add capacity as you grow.

Yes. Those platforms restrict many industries by policy. We move you to a dedicated merchant account with an acquirer that knowingly accepts your business, so you aren’t at risk of the same shutdown.

To start, just your contact details, your industry and your monthly volume. Your consultant then tells you exactly which documents the matched processor needs. Usually ID, a voided check, and recent bank and processing statements.

More than forty, from CBD, nutraceuticals, bail bonds, travel and gaming. See the full list on our Industries page.

Ask your consultant about the plan that fits your account. Every PaymentHelp merchant gets a named person to call. The depth of reviews depends on your volume and needs.

The accounts we place for you, across the processors we work with. Each one appears in the same view with the same measures, so you can compare them side by side.

We agree a rhythm that suits your business, typically monthly. You also hear from us right away when something needs attention, such as a ratio heading toward a threshold.

Often, yes. Send us recent statements and we’ll show you what we see and what we’d change.

Mostly the industry. Others are high average tickets, recurring billing, delivery long after payment, a short processing history, or past chargebacks. Many high-risk businesses are perfectly well run.

Usually somewhat, because the acquirer carries more risk. The gap narrows as your history builds, and we push for that reduction on your behalf.

Usually, yes. Most acquirers we work with support the major gateways. We’ll confirm compatibility before you apply.

Often, yes. Tell us what happened up front. We match you with an acquirer whose policies fit your history and present your application in the way that underwriter needs to see it.

We set up 3DS and fraud scrub rules on your gateway, block BIN attacks (bots testing stolen card numbers), and add RDR, Ethoca alerts and VDO so many disputes are resolved before they become chargebacks. For the rest, we help you answer with compelling evidence.

Visa’s Acquirer Monitoring Program measures fraud reports and disputes as a share of your settled transactions. Crossing its thresholds brings fees and can end in termination. We track where you stand every day.

Alert services charge per alert, usually far less than a chargeback fee plus the lost sale. We help you decide which tools pay for themselves at your volume.

A Mastercard database of merchants whose accounts were terminated for specific reasons. Most acquirers check it. A listing usually lasts five years, but approval is still possible with the right acquirer.

Common triggers are a sudden jump in volume or ticket size, rising chargebacks or refunds, a product the platform restricts, or a mismatch between your application and what you actually sell.