Aggregators freeze first and ask questions later — and hold your money 90 to 180 days while you make payroll. A dedicated merchant account is underwritten to your business once, up front, so there’s no algorithm waiting to switch you off.
Get Pre-Qualified in 24–48 HoursStripe and PayPal don’t give you a merchant account. They pool thousands of businesses under one master account and police it with automated risk systems. A volume spike, a few chargebacks, or just your industry code can trigger a freeze — with no human to call.
| Aggregator (Stripe / PayPal) | Dedicated merchant account | |
|---|---|---|
| Underwriting | None up front — risk reviewed by algorithm after you grow | Done once, up front, by a human who knows your business |
| Fund freezes | Automated; 90–180 day holds are standard | Rare — and you have a direct contact when issues arise |
| Pricing | Flat 2.9% + 30¢ on everything | Interchange-plus — you pay actual cost plus a transparent margin |
| Support | Ticket queue | A person who answers the phone |
15-minute call. We’ve seen every version of this — volume spikes, trial offers, chargeback flags. No judgment, just a plan.
The bank’s underwriter works directly with our office. You get a real answer fast, not weeks of silence.
Our developers integrate your store to the new gateway — Shopify, WooCommerce, BigCommerce, or custom. Free, with no downtime.
Dedicated account, interchange-plus pricing, and a direct line to people who know your file.
We respond within one business hour. If you’re mid-freeze, mention it — we’ll prioritize your file.
No obligation. We respond within one business hour, Mon–Fri. Or call (970) 808-6090.