Talk to us before your processor decides for you.
Stripe, Shopify and Square review accounts automatically, and they rarely warn you first. In 15 minutes we'll show you which numbers they're watching, how close you are to a review, and what to do before one happens. It's free, and we won't ask you to switch.
For growing businesses the platforms call high risk
You're processing $100K to $1M a month on Stripe, Shopify Payments, Square or PayPal, and nothing has gone wrong yet. But you sell in a category they flag (supplements, wellness, subscriptions, coaching, info products, telehealth, lead gen), or you're growing faster than their systems like. You'd rather find out where you stand now than from a notice later.
What they're actually looking at
These reviews are automated. The systems behind them track a short list of numbers, and you can check most of them yourself today.
What the risk read gives you
A 15 minute call, followed by a written summary you keep. It covers where you stand on each of the six numbers, what's most likely to get you flagged in the next 90 days, what to fix first, and which processors would take your business as it is today. There's no sales pitch on the call.
The one thing we'll recommend
Open a second processor before you need one. Keep your current processor. Add a second account with a bank that underwrites your category, run a small share of volume through it so it builds history, and leave it in place. If your main processor ever holds your funds or closes your account, you shift traffic the same day instead of applying from scratch while your revenue is frozen.
What we won't do. We won't tell you to leave a processor that's working for you. We won't quote prices on the call, and we won't contact your customers or your current processor. If we're not the right fit, we'll say so and point you to someone who is.
Count your yes answers
- Disputes above 0.5% of transactions in any of the last three months
- Refunds above 8% of sales
- Volume up more than 50% in a single month this year
- Average ship or delivery time over 7 days
- Free trial, subscription, continuity or installment billing
- Supplements, wellness, telehealth, coaching, info products, lead gen or anything with a health claim
- International cards over 20% of sales
- A prior hold, reserve, pause or closure on any processor
- Over $500K a month on a single processor with no backup
- Affiliate or paid traffic driving most sales
A specialty ISO, not a platform
For more than ten years Plush Pay has placed businesses with complex risk profiles across multiple sponsor banks, with over $1B processed through our network. We work in the categories the platforms avoid.
If one of these is you
Book a 15 minute risk read
Tell us where you process and what you sell, then pick a time on Eli's calendar. You get the written summary whether or not you work with us.
- No pricing or quotes on the call
- We won't contact your customers or your current processor
- If we're not the right fit, we'll tell you who is