Stripe
Instant approval, instant risk. Scale too fast or trip a threshold and funds get held or the account closed, often with a 90-day reserve.
Payment processor setup & infrastructure
High-risk payments made stable.
Aggregators approve you in minutes and underwrite you later. We audit first, then place you with acquirers that underwrite you properly and keep you.
30+
Vetted providers
Guaranteed
Onboarding
Lifetime
Account management
The aggregators
Stripe, Shopify, and PayPal aren’t built to keep you.
The least stable options out there: easy to get approved with upfront, but the real underwriting comes later, usually when your volume spikes.
Shopify Payments
Convenient, but it’s Stripe underneath: the same aggregator risk and payout holds, just rebranded.
PayPal
Known for 180-day holds and permanent limitations, applied by automated risk systems that are hard to appeal.
What it costs you
The cost of an ineffective structure.
Low authorization rates
Declined transactions you never see, quietly costing you sales at checkout.
High transaction fees
Aggregator pricing that eats your margin as volume grows.
No account support
No one to call when something breaks, just a support queue.
Unsupported currencies & payment methods
Buyers who can’t pay the way they want, in markets you can’t fully serve.
Capped scaling potential
A setup that stalls or flags you the moment you start to grow.
The operational audit
Every account starts with an audit.
Before we place you, we run a comprehensive operational audit of your business, so the account we build is stable from day one rather than flagged in month three. What we look at depends on your situation, but it usually covers:
01
Authorization-rate analysis
02
Risk & chargeback mitigation
03
Bank policy examination
04
Website UX & UI review
05
Licensing & compliance audit
06
Documentation assessment
Outcomes
Approval is the start, not the finish.
- Tier-one provider access
- Dedicated account management, with a lifetime guarantee
- End-to-end compliance
- Favorable provider terms
- Higher authorization rates
- The payment methods you need: Apple Pay, Google Pay, local APMs
Receipts
Approvals that actually landed.
48 hours
MID activated, gateway issued
Enabled
Stripe payments and payouts, after review
$135,000
First payout after placement
In their words
Merchants who got approved.
Compaytence was incredibly professional, highly knowledgeable, and extremely efficient throughout the entire process. Their team moved fast, communicated clearly, and delivered exactly what they promised. Helping us secure MIDs quickly and smoothly. Their expertise, speed, and reliability made a huge difference, and it was clear they truly understand this space. Highly recommend them to anyone looking for a competent, results-driven team.
Compaytence and the team have been very helpful in acquiring payment processors for our e-commerce brand. They have also been very insightful in giving advice in order to scale our business. Highly recommend them!
Working with the Compaytence team has been a game changer for our business. They were really clear when explaining, helping us to understand our different options and solutions. Then they used their connections to get us speedy approval with ease and competitive rates. Would definitely recommend and we're grateful for their services.
One solution, expert support, lifetime account guarantee.
We give you access to a network of 30+ top-tier providers.
So you can support every currency, payment method, platform, and region, without compromise.
Common questions
PSP setup, answered.
It’s an account a processor treats as more likely to see chargebacks, fraud, or regulatory issues, so it’s underwritten more carefully, often with tighter terms, a reserve, or a higher chance of being dropped.
Two things. Some businesses are flagged by their MCC code, the category the card networks assign, like CBD, nutraceuticals and supplements, adult, firearms, or gaming. Others get flagged by their model rather than their product: dropshipping, subscriptions, and high-ticket sales draw scrutiny even in “normal” categories.
If we take you on and can’t get you approved with a provider in our network, you don’t pay for the placement. The guarantee is why the audit comes first: we only proceed when the account will hold.
Aggregators like Stripe, Shopify, and PayPal onboard you instantly and can offload you just as fast when volume or risk climbs. We place you with tier-one processors and acquiring banks that underwrite you properly and are built to keep you.
Once you’re live, we stay on as your account management: monitoring authorization rates, handling provider issues, and keeping the account compliant for the life of the relationship.
It depends on your business category and documentation, but the audit front-loads the work so underwriting doesn’t stall. You’ll get a realistic timeline after the initial review.
Next step
Get approved, and stay approved.
Tell us what you sell and where. We’ll map the path to approval.
Get started