Specializations
Complex commerce.
Banking appetite and underwriting requirements vary by business model. We evaluate each company individually and identify appropriate processing options. We never guarantee approval.
Core specializations
Regulated & High-Risk Commerce
Categories where underwriting, documentation and acquirer appetite govern what is possible.
Nutraceuticals & Supplements
Claims review, rebill structure and descriptor discipline as underwriting variables.
Peptides & Research Products
A narrow band of acquirer appetite that rewards compliance posture and redundancy.
Subscription & Continuity
Authorization health, retry logic and billing continuity across every cycle.
CBD & Hemp
Testing documentation, jurisdictional footprint and domestic versus offshore trade-offs.
High-Ticket Ecommerce
Per-transaction caps, issuer friction and authorization strategy at large order values.
International & Cross-Border
Local acquiring, settlement currency and payment-method coverage by market.
Complex Ecommerce
Platforms, split settlement and multi-entity structures with layered liability.
All 26 categories
Health & Supplements
4 categories
Nutraceuticals
Continuity billing, claims review and descriptor discipline.
Underwriting viewPeptides & Research Products
Compliance posture and acquirer appetite mapping.
Underwriting viewTelehealth & Pharmacy
Prescriber workflow, licensing and refund exposure.
Underwriting viewWellness & Coaching
Future delivery of services and dispute windows.
Underwriting viewRecurring & Continuity
3 categories
Regulated Products
5 categories
CBD & Hemp
Documentation, testing records and jurisdictional constraints.
Underwriting viewVape & E-Cigarettes
Age verification, PACT considerations and shipping rules.
Underwriting viewTobacco & Cigar
Licensing, taxation and channel-specific underwriting.
Underwriting viewFirearms & Ammunition
FFL status, product mix and processor policy.
Underwriting viewAdult
Content compliance, age controls and dispute pressure.
Underwriting viewDigital & Online
6 categories
Gaming & iGaming
Geography, licensing and payout considerations.
Underwriting viewDigital Goods
Fraud pressure, velocity and instant-delivery patterns.
Underwriting viewSaaS & Software
Seat-based billing, global expansion and tax handling.
Underwriting viewMarketplaces & Platforms
Split settlement, onboarding and liability allocation.
Underwriting viewCrypto-Adjacent
On-ramp structure, AML posture and banking access.
Underwriting viewDating & Social
Recurring billing, moderation and fraud controls.
Underwriting viewTravel & Events
4 categories
Travel & Tour Operators
Future delivery exposure and reserve structuring.
Underwriting viewJet & Charter
Very high tickets, authorization limits and verification.
Underwriting viewTicketing & Events
Event risk, delivery timing and dispute windows.
Underwriting viewHospitality & Lodging
Deposits, incremental auths and no-show disputes.
Underwriting viewFinancial & High Ticket
4 categories
High-Ticket Ecommerce
Average ticket limits and authorization strategy.
Underwriting viewRegulated Ecommerce
Category rules, prohibited items and evidence packs.
Underwriting viewFinancial & Credit Services
Licensing, disclosures and network category rules.
Underwriting viewEducation & Training
Cohort delivery, refunds and payment plans.
Underwriting viewWhat matters is the file, not the category.
Two companies in the same vertical can receive very different terms depending on processing history, chargeback performance, average ticket, refund policy, fulfillment model and international exposure. Our work begins with the file, not a label.
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