Processing built for complex business models
Standard processors use generic risk models that decline or freeze accounts in subscription platforms, nutraceuticals, and high-ticket B2B services. We evaluate your business model, match you with acquiring partners who understand your vertical, and set up direct merchant accounts that won't freeze when your transaction patterns don't fit their templates.
Why standard processors struggle with complex business models
Standard processors evaluate thousands of applications daily using automated underwriting and generic risk models. When your transaction patterns don't match their template—recurring subscription billing, high-value B2B invoices, nutraceutical compliance requirements, telehealth payment flows—their systems flag you for review, hold your funds, or decline your application entirely.
Direct merchant accounts work differently. Your business is evaluated individually, matched with acquiring partners who understand your vertical, and configured for your actual transaction patterns.
Who this works for
Businesses where automated underwriting creates problems—not because you're risky, but because your model doesn't fit standard processor templates.
Businesses declined by standard processors
Your industry vertical or business model triggers automatic declines—despite strong fundamentals, clean processing history, and legitimate operations.
Businesses paying elevated rates despite clean records
You're assigned high-risk pricing based on industry category codes—even though you have years of low chargebacks and strong financials.
Multi-entity or multi-brand organizations
You need consolidated processing, reporting, and account structures across multiple brands, entities, or locations.
Subscription & recurring billing businesses
Your billing model needs higher authorization rates, better decline recovery workflows, and processors who understand card-on-file transactions.
High-ticket B2B services
Your legitimate large transactions routinely get flagged as fraud by automated systems that don't understand B2B invoice payments.
Industries with specialized compliance
Your vertical requires processors who understand regulatory requirements and documentation needs beyond generic underwriting.
Why work with Paytrinsic for complex business models
We specialize in business models that need proper evaluation, not just automated approval. You get direct merchant accounts with acquiring partners who understand your vertical.
Direct merchant accounts, not aggregated platforms
You get your own merchant account with an acquiring bank. Your processing stability is tied to YOUR performance—not shared risk pools, automated algorithms, or sudden policy changes affecting thousands of merchants. Account holds and terminations are based on your track record, not generic category codes.
Proper business evaluation upfront
We evaluate your business model, transaction patterns, and compliance requirements before matching you with acquiring partners. We document how your business works so we can present it properly—not just MCC codes and generic risk scores. You're underwritten for who you are, not forced into a template.
Decades of experience with specialty verticals
Our team has spent over 20 years setting up merchant accounts for subscription platforms, nutraceuticals, high-ticket B2B, telehealth, professional services, and business models that standard processors decline. We know how to present your business and advocate when questions arise.
Results our clients see
Businesses with complex models get stable processing, fair pricing, and account structures designed for how they operate.
SaaS company, $18M ARR, 4,200 subscribers
Solution: Evaluated subscription model, matched with acquiring partner experienced in recurring billing, configured authorization rules for card-on-file transactions.
Result: Zero account holds through 3x revenue growth. Authorization rates improved 12%. Decline recovery workflow reduced involuntary churn by 18%.
Supplement eCommerce, $8.5M annual revenue
Solution: Documented their FTC & FDA compliance, clean 8-year track record, and chargeback management. Matched with acquiring partner who understood supplement processing.
Result: Re-priced to 2.6% + $0.25 reflecting actual risk profile. Three years of stable processing without holds. Saved $180k annually vs. previous high-risk pricing.
Consumer electronics retailer, $22M annual volume
Solution: Matched with acquiring partner experienced in cross-border eCommerce. Configured authorization rules optimized for international card networks. Set up proper currency handling and cross-border compliance.
Result: International card authorization rates improved from 72% to 90%. Account reviews stopped—processor understood their customer base. Recovered $890k in previously declined international sales annually.
Industries & models we serve
Verticals and business models where standard processors use automated underwriting that doesn't account for how you operate.
Subscription & membership platforms
Recurring billing creates unique challenges with card-on-file transactions, decline recovery, and chargeback management.
- Subscription billing optimization and retry logic
- Declined recurring payment recovery workflows
- Account updater and lifecycle management
Nutraceuticals & supplements
Legitimate supplement businesses get labeled "high-risk" despite clean records and proper FTC & FDA compliance.
- Continuity and subscription billing programs
- Chargeback management and representment
- FTC and FDA compliance documentation support
Note: We do not support negative option billing models.
High-ticket B2B services
Large transaction amounts routinely trigger fraud flags even when invoicing legitimate business customers.
- High-ticket authorization optimization
- Split and staged payment configurations
- Invoice-to-payment reconciliation workflows
Professional services with retainers
Law firms, consultants, and agencies collecting large upfront retainers and billing against them over time.
- Retainer authorization and settlement workflows
- Partial captures and split billing configurations
- Trust account compatibility and reconciliation
Direct sales & network marketing
MLM and direct selling models with distributor commissions, auto-ship programs, and continuity billing require specialized payment configurations.
- Auto-ship and continuity billing programs
- Distributor payout integration and commission tracking
- Multi-level commission structures and compliance support
Multi-entity & multi-brand organizations
Complex organizational structures need consolidated processing with brand-specific configurations.
- Multi-MID structures with unified reporting
- Consolidated reporting across entities and locations
- Cross-entity reconciliation and settlement
How we work with you
A structured process to evaluate your business, match you with the right acquiring partner, and configure processing for long-term stability.
Business model evaluation
We review your transaction patterns, customer base, operational controls, and compliance requirements. We document how your business works—not just category codes and generic metrics—so we can present it properly to acquiring partners.
Processor matching and presentation
We match you with acquiring partners who understand your vertical and have experience with your business model. We present your business with full context and advocate for fair pricing based on your actual risk profile.
Account setup and configuration
We configure authorization rules, fraud screening, and routing logic designed for your transaction patterns. We set up reporting, reconciliation workflows, and integration with your existing systems.
Ongoing account management
We monitor your account proactively and flag potential issues before they become problems. When questions arise from underwriters, we provide context and advocate for you. Your processing evolves as your business grows.
Timeline: Timeline: Most implementations take 2-4 weeks. Complex setups may take 4-6 weeks."
Ready for processing designed for your business model?
Schedule a 30-minute evaluation. We'll review your business model, explain why standard processors struggle with your transaction patterns, and show how direct merchant accounts provide the stability you need.
Questions? See our complete FAQ