top of page

What to do After a Declined Merchant Account

Updated: Dec 29, 2023

As a business owner, applying for a merchant account seems simple enough- but what happens when it isn’t? Having your application denied might sound conclusive but don’t give up! Instead, follow our tips of what to do after a declined merchant account so that you can still secure payment processing for your business today.

Steps to Take After a Decline

There are a few reasons a merchant might get their application declined (like a low credit score, tax issues, etc.), and depending on why, there are a couple things that can be done to get you set-up with an account…

First, speak with your service provider directly- sometimes it’s a simple application mistake or data entry error that can be easily resolved by contacting your merchant service provider. Your processor is there to help troubleshoot problems in a quick and efficient manner, or even try to figure out alternative options for you. They are a great resource so be sure to utilize their services.

But, if that doesn’t work, you might have to find a different provider- often a business is declined for a merchant account because they are deemed to be high-risk and so the payment processor either can’t or won’t take on the extra financial exposure. This means looking for a new payment's provider, like Align eCommerce, who has the tools and technology to offer the specialized attention needed. Not all merchant service providers are the same so a little research might be necessary, but it’ll be worth it.

Understanding why you’ve been declined is extremely important so you can know how to proceed forward… but ultimately, having a good relationship with your payment's provider is the best way to move past a decline. Remember- just because you’ve been denied doesn’t mean that decision is final!

If you’re looking to obtain a high-risk merchant account without the extra hassle, contact Align eCommerce! As high-risk specialists, we can handle all your payments needs with the direct attention and dedication you deserve. We’re here for you!

Here are some articles that might help you in your journey:

19 views0 comments


bottom of page