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Looking for a reliable merchant account provider in the US region.

Why are sales specialists at major Merchant Providers acting less interested over the years and more like gatekeepers? They used to be more enthusiastic (like 3-5 years ago) . It happens with players like First Data (now Fiserv), TSYS and alike. I understand they don't like startups, but maybe they need more monthly volumes (for example, more than $10000)
Maybe there have been some major changes in the industry in the last couple years? What is happening in this field in the US market?
 
man whatever its that you are doing... refine it
cause 15% is too high for any account to survive longer than a week

sometimes major merchant providers allow it to be happening for a couple of months. slips through or it's actually a profitable model for them- I have no clue. SOme processors even close the account after the exact time passed to the day;
 
How did you get approved anywhere with a 28% chargeback rate.... you may want to get that under control and stop burning merchant accounts or you'll get kicked out of the Visa network permanently. Are you ripping your customers off or do you have no fraud controls on your site?
my business model allows for higher chargeback ratio, consumers are warned about it in T&C, no rip off there, 28% was at the ecnd of the life cycle of that merchant account ,it came to this number gradually, at first it was much lower. We use high risk merchant accounts for majority of our transactions but for the rest we need to obtain a traditional merchant account. Many such accounts allow for a gradually growing CBs over a month or two period before they terminate the account or freeze it
 
my business model allows for higher chargeback ratio, consumers are warned about it in T&C, no rip off there, 28% was at the ecnd of the life cycle of that merchant account ,it came to this number gradually, at first it was much lower. We use high risk merchant accounts for majority of our transactions but for the rest we need to obtain a traditional merchant account. Many such accounts allow for a gradually growing CBs over a month or two period before they terminate the account or freeze it
Just out of sheer curiosity, what payment processor are you using? I have a very difficult time in finding one to accept high-risk start-ups...
 

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