Declined, terminated, or stuck on reserve? We find the yes.

It depends on your vertical, average ticket, volume, and chargeback history — anyone quoting you a number before seeing your statements is guessing. Upload your last three months in the quote form and we'll come back with a real number, in writing, with every line item itemized. No junk fees, no surprises on the second statement.

Underwriting requirements vary by vertical, processing history, and chargeback profile. Whatever the structure ends up looking like, it gets disclosed in writing before you sign — with a clear step-down or release schedule, not an open-ended hold. If something can't be negotiated, we'll tell you why on the call rather than burying it in the contract.

We'll review the situation and help you build the case, but the funds are held by your current acquirer and only they can release them. What we can do: place you on a second live MID elsewhere immediately so you stop bleeding revenue while the holdback unwinds.

Most files get an underwriting decision within 3–7 business days. We pre-qualify before submitting, which is why our submitted files actually move — nothing wastes more time than getting cycled through processors that were never going to say yes.

That's most of our customers. Send us your last three months of statements through the quote form so our underwriting team can see exactly what happened, identify what got you flagged, and place you with a bank that understands your business. If we can't help, we'll tell you straight on the first call — no runaround.

Your statements go directly to our underwriting team, are reviewed only by the analyst on your file, and aren't shared outside PayMullet without your written consent. Uploading three months of statements typically cuts the quote turnaround in half because we can size you accurately on the first call instead of going back and forth on assumptions.

Proper setup from day one and ongoing oversight. We make sure your descriptor, website, and business model are aligned with what was underwritten, enroll you in Ethoca and Verifi for early chargeback alerts, and review your account quarterly — not just at signup — so issues get addressed before they become terminations.

Usually yes. Low auth rates often come down to bank fit, descriptor and MCC accuracy, or a processor that's miscoding transactions. We place you on a bank that actually wants your vertical, audit the technical setup, and re-tune the file so legitimate sales stop getting flagged as risk.

Yes. We pair high-risk merchant accounts with the right gateway so you can take in-person and online from one stack.

We don't represent you in disputes, but we set up the alerts and documentation flow so your team can respond fast. Ethoca and Verifi catch a portion before they hit your ratio, and we'll walk through compelling-evidence packaging on your onboarding call.