Why underwriters look closely at eCommerce
Card-not-present fraud
Online sales carry more fraud than in-person sales, and new stores are a favorite target.
Little or no history
Without past statements, underwriters have nothing to judge you by, so they start cautious.
Delivery promises
Long shipping times, backorders and preorders lead to “not received” disputes.
A payment setup that fits
How we usually set up online stores. Your consultant tailors it to how you actually sell.
- 1
A gateway that fits your cart
Shopify, WooCommerce, BigCommerce and most carts connect to a dedicated merchant account through a gateway.
- 2
Fraud tools from day one
Address and CVV checks, 3-D Secure and velocity limits.
- 3
Tracking sent automatically
Shipping emails with tracking cut “where is my order” disputes.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if you have taken cards before
- Articles of incorporation and EIN letter
- A website with clear pricing, refund, cancellation and contact details
- Supplier or fulfillment details
- Business address and customer-service contact shown on the site
Why applications get declined, and how to avoid it
- Replica or trademark-infringing products
- No contact details or physical address on the site
- Shipping times not stated
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- State shipping times on every product page
- Send tracking automatically
- Answer “where is my order” emails within a day
eCommerce: common questions
Can I keep my Shopify store?
Yes. Shopify works with third-party gateways, though it adds its own fee when you don’t use Shopify Payments. We’ll compare the total cost with you.
Why is my new store considered high risk?
No processing history and card-not-present sales. A few clean months on a dedicated account usually improves your terms.
What if Stripe or PayPal froze my funds?
We’ll get you onto a dedicated account and help you document orders and refunds to speed up the release.
What happens after I’m approved?
We keep working with you. Our platform gives you one view of every account, and we review your chargebacks, approval rate, fraud tools and fees with you so the account stays healthy and gets cheaper over time.