Five commitments we make to every merchant on our books — in writing, in public, and enforceable in the paperwork you sign. High-risk processing has spent a decade earning its reputation. This is how we intend to unspend it.
Reserve terms — percentage, hold period, release schedule — are quoted in writing before you sign and cannot be raised unilaterally mid-term. If the underlying acquirer forces a change, we notify you in writing and give you the option to move volume, not a fait accompli.
If funds are ever held, paused, or a MID is placed under review, you get a written notice within 24 hours with the reason, the acquirer involved, the funds affected, and the next step — not a settlement report that silently stops.
Rolling reserves step down on a published schedule. By the end of month 6 of clean processing, reserves are reviewed and reduced — they do not sit frozen at the opening percentage for the life of the account.
You can leave at any time. No cancellation penalty, no minimum-term buyout, no reserve extension for terminating the relationship. Reserves release on the standard schedule whether you stay or go.
Your dispute history, representment evidence, and chargeback ratios are your data. On request, you get a full export in a portable format so a future processor — us or anyone else — can underwrite you on real numbers, not a black box.
These five rights are attached as an addendum to every merchant agreement we sign. They apply on day one, they apply on day 600, and they apply on the day you decide to leave. If any point above is not in the paperwork we send you, tell us — that’s a bug and we’ll fix it before you sign.
$ contact --topic bill-of-rights
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