High risk does not mean every business has the same processing problem.
Some industries and business models need specialized underwriting because of chargeback exposure, recurring billing, ticket size, fulfillment, regulatory concerns, or prior processing history.
A category label is only the beginning.
Two businesses in the same industry may receive different underwriting outcomes based on their website, volume, average transaction, processing history, chargebacks, fulfillment model, and other factors.
Common underwriting factors
- Industry and product type
- Recurring or continuity billing
- Average transaction amount
- Chargeback and refund exposure
- Fulfillment timing and customer policies
- Prior processing history
Assessment first, underwriting second.
We collect enough information to decide whether specialized processing review appears worth pursuing, then qualified cases can move to a processing provider for formal underwriting.
Business review
Industry, website, product, processing method, and customer model.
Processing profile
Volume, average ticket, current status, and relevant history.
Initial qualification
Determine whether the case appears suitable for specialized review.
Provider underwriting
The provider determines approval and final account terms.
Classified as high risk? Start with the facts.
Start with a short review of your business and current processing situation.