Platinum Relations

Nutraceutical & hard-to-place merchant accounts, underwritten bank-direct

Declined by Stripe? Dropped by your processor? Most companies advertising “high-risk merchant accounts” are lead resellers. We’re a registered ISO that underwrites your account ourselves — and because we know exactly what our sponsor bank will approve, you get a straight answer in 24–48 hours instead of a week of stalling.

Get a 48-Hour Pre-Qual Answer

What we board — and what we don’t

Straight answers save everyone time. Here’s where we can help:

We board

  • Nutraceuticals & dietary supplements
  • Subscription & continuity billing (including trial offers)
  • Coaching, courses & info products
  • Travel & ticketing
  • High-ticket and delayed-fulfillment ecommerce
  • Merchants with prior terminations or elevated chargebacks (case-by-case)

We don’t board

  • CBD, hemp-derived products, or cannabis in any form
  • Anything illegal or card-brand prohibited

If that’s you, we’ll say so immediately and point you to specialists who can help — no wasted week of “processing your application.”

Why hard-to-place merchants choose us

A real approval, not a maybe

We underwrite your account ourselves and know our sponsor bank’s criteria cold, so we can tell you up front whether you’ll be approved — not weeks later, after you’ve already integrated.

Your funds aren’t held hostage

You’re individually underwritten to a sponsor bank, not pooled under an aggregator’s master account. No algorithm freezing your deposits for 90–180 days because your volume or vertical looked “risky.”

Built for recurring billing

Trial offers and subscriptions are exactly what aggregator algorithms flag. We underwrite them properly up front, set up your billing and migration for free, and help you keep chargebacks under control.

Check your eligibility — pre-qual answer in 24–48 hours

Tell us your vertical, volume, and history. We’ll reach out within one business hour to confirm details, then come back with a pre-qual answer in 24–48 hours. Honest answers get fast approvals.

No obligation. We contact you within one business hour, Mon–Fri; pre-qual answer follows in 24–48 hours. Or call (970) 808-6090.