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HIGH-RISK MERCHANT ACCOUNTS

High-risk merchant accounts.
A human on your side.

Your business deserves a closer look. Tell us what you sell, how you deliver it, and what you need from processing. NUMUS works with banks and other ISOs to explore available options and help you prepare for review.

Request a processing review See what to prepare
Approval and account terms depend on the provider’s underwriting.
START WITH YOUR BUSINESS

The details make
the difference.

Your products, billing model, delivery timing, and processing history help explain the application.

01

What you sell

Describe the products or services, your customers, and where you operate. An industry name is only the beginning.

02

How you bill & deliver

Explain your sales channels, ticket size, recurring payments, and the time between payment and fulfillment.

03

Your processing history

Share current activity, refunds, disputes, and previous account decisions. If you are getting started, tell us.

PEOPLE AT EACH STEP

A clear path
to a considered review.

Understand what comes next and who makes the decision.

  1. 01 / SHARE

    Tell us about the business.

    Send a short overview of your products, sales channels, and processing needs.

  2. 02 / PREPARE

    Work through the questions.

    Our team helps organize your application and the records requested for review.

  3. 03 / REVIEW

    Understand the offer.

    Compare pricing, reserves, payout timing, limits, and setup requirements before deciding.

BEFORE THE FULL APPLICATION

A clearer picture.
A better starting point.

Have your website, business details, and recent processing statements ready if available. If you are starting a new business, identify projections as estimates. Our team can explain which additional records the provider requests.

Merchant account application checklist Understand rolling reserves
BEFORE YOU GET STARTED

Good questions.
Clear answers.

Can I ask about options after another provider declined me?+

Yes. Explain the previous decision and your current business model. Each provider assesses applications under its own requirements; a previous decline does not determine the outcome of a new review.

Will I need a reserve?+

A reserve may be part of an offer. Review the amount or percentage, withholding period, release conditions, and circumstances in which the terms can change.

What should I have ready?+

Start with your business website, products or services, sales channels, expected volume, and any processing history. The full application may require business, ownership, identity, and banking records; exact requirements vary.

Who decides whether the account is approved?+

The acquiring bank or provider makes the underwriting decision. NUMUS helps you prepare the application, work through questions, and understand the available terms.

YOUR NEXT STEP

A few details.
A useful conversation.

Tell us about the business behind your payments. We’ll review your inquiry and follow up about the next step.

  1. 01
    Start with your business

    Your sales channels, processing needs, and current setup.

  2. 02
    Connect with the team

    A person helps you explore options and prepare for review.

  3. 03
    Understand the terms

    Approval and final account terms depend on the provider’s underwriting.

Prefer a conversation?+1 786-744-6156
PROCESSING REVIEWSTEP 1 OF 2
  1. 1 Your business
  2. 2 Your details
Your business, at a glance.

Start with the basics. All fields are required unless marked optional.

Next: who should we contact?

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