Merchant account recovery & readiness

A clearer path to your next merchant account.

If funds are frozen, processing is capped, or chargebacks are climbing, get a practical risk profile before applying again.

Start the 60-second check See how matching works

✓ No credit pull
✓ No application fee
✓ Built for complex profiles

Example profile

Specialized review

Actionable

82/ 100

Volume fitStrong

Risk tierTier 2

Likely routeDirect MID

Review time2–4 days

Illustrative only. Final terms are set by an acquiring bank after underwriting.

Processing historyBusiness modelChargeback exposureMATCH status

Free diagnostic

Build your underwriting snapshot.

Five focused steps. Your answers stay in this browser unless you choose to submit them to a provider.

Step 1 of 5

What is happening with your processing?

$Funds are frozen or heldReserve, rolling hold, or 180-day hold ×My account was terminatedStripe, PayPal, or another processor closed it !Chargebacks are a concernWarning, monitoring program, or rising disputes ↗I hit a processing capVolume limit or growth restriction +I need a backup MIDProactive redundancy before a disruption

Primary business vertical

Why MCC matters

Acquirers use merchant category codes to understand fulfillment, regulatory, and dispute risk. Choosing the closest category improves the usefulness of your result.

Monthly card volume Average transaction

How long have you been processing?

Estimated chargeback rate

0.8%

Estimate if you do not know the exact figure.

Are you on the MATCH / TMF list?

NoUnsureYes

Legal business nameWork email

PhoneBusiness website

↑Optional underwriting documentsPDF, CSV, PNG, or JPG — 25 MB maximum per file

A better first step

Know the story your file tells.

ClearMIDs turns scattered risk signals into a practical preparation plan.

Describe the disruption

Identify the event, processing history, and business model driving the review.

Map the risk profile

Compare volume, ticket size, disputes, MATCH status, and vertical complexity.

Prepare before applying

See which documents and explanations can make an underwriting file clearer.

What we assess

Signals underwriters actually examine.

Processing behaviorVolume, average ticket, history, and growth patterns

Dispute exposureChargeback ratios, alert programs, and mitigation readiness

Business-model riskFulfillment timing, vertical, continuity, and regulatory complexity

File completenessStatements, formation records, policies, and a coherent explanation