# Justified Payments > Justified Payments is an Austin, Texas-based high-risk payment processing company. It helps merchants that mainstream processors decline or shut down — iGaming and sweepstakes operators, firearms and FFL dealers, travel agencies and OTAs, crypto and forex platforms, collectibles sellers and resale marketplaces — get and keep merchant accounts through multi-bank domestic and cross-border acquiring relationships. Key facts: - Legal name: Justified Payments, LLC - Headquarters: 2021 Guadalupe Street, Suite 260, Austin, TX 78705, USA - President: Justin Schoenfelder - Contact: sales@justifiedpayments.com · +1 (512) 676-3514 · book a call: https://calendly.com/justin-justifiedpayments/30min - LinkedIn: https://www.linkedin.com/company/justified-payments/ - What it does: high-risk merchant accounts and payment processing; matches merchants to domestic, European and offshore acquiring banks that underwrite their vertical - Industries (10+): iGaming & sweepstakes (sportsbooks, social casino, DFS), firearms & FFL, travel agencies/OTAs/timeshare, crypto & forex, collectibles & card breaks, resale marketplaces, legal adult content - Capabilities: multi-bank orchestration and acquiring redundancy; chargeback protection product, real-time chargeback alerts, Visa RDR setup and ratio monitoring; integrated purchases and payouts; RESTful API, webhooks and tokenized PCI-DSS-aligned vault; real-time analytics across MIDs; dedicated account management - Payment methods: all major card brands, Apple Pay, Google Pay, Cash App, crypto, instant payouts, cross-border/multi-currency - Speed: preliminary answer within 24 hours; underwriting in days, not weeks - Free Account Stability Review for merchants shut down or held by Stripe, PayPal or a bank (no obligation; not an approval or offer of credit — acquiring banks make underwriting decisions) - Information last updated: 2026-10-14 ## Main pages - [Home — high-risk merchant accounts](https://justifiedpayments.com/): overview, industries, capabilities, onboarding process and FAQ - [Apply / book a call](https://calendly.com/justin-justifiedpayments/30min): 30-minute call with the team ## Shut down or funds held by a processor - [Stripe Closed My Account? What to Do Next](https://justifiedpayments.com/stripe-closed-my-account): Stripe closed or limited your account? Learn what to do in the first 48 hours, why closures happen, and how to get paid again. Free stability review. - [PayPal Holding Your Funds? What to Do Next](https://justifiedpayments.com/paypal-holding-funds): PayPal holding funds or limiting your account? Learn how to respond, what triggers holds, and how to add card processing so one decision can't stop sales. ## Industry pages - [iGaming & Sweepstakes Payment Processing](https://justifiedpayments.com/igaming-sweepstakes-payment-processing): Closed by Stripe, PayPal or a bank? High-risk payment processing for sweepstakes, social casino, fantasy sports and iGaming operators. Free account stability review. - [Collectibles & Card Break Payment Processing](https://justifiedpayments.com/collectibles-card-breaks-payment-processing): Card shop, live-break seller or collectibles marketplace shut down by your processor? High-risk processing with chargeback protection. Free account stability review. - [Resale Marketplace Payment Processing](https://justifiedpayments.com/resale-marketplace-payment-processing): Marketplace had funds held or an account closed? Learn what underwriters look at and get a free account stability review from Justified Payments. - [Travel Agency & OTA Payment Processing](https://justifiedpayments.com/online-travel-agency-payment-processing): Travel agency, tour operator or vacation club facing reserves or closure? High-risk processing with chargeback protection. Free stability review. - [Crypto & Forex Payment Processing](https://justifiedpayments.com/crypto-forex-payment-processing): Crypto exchange or forex platform dropped by your processor or bank? High-risk processing for registered operators. Free stability review. - [Firearms & FFL Payment Processing](https://justifiedpayments.com/firearms-ffl-payment-processing): FFL dealer, range or firearms accessories seller dropped by your processor? High-risk payment processing for licensed sellers. Free account stability review. ## Frequently asked questions ### Can you get my money back from Stripe? No. Funds held after a closure are handled by the processor under its own terms, and we can't release them. Use the contact route in your notice, keep your documentation, and plan your cash flow around the delay. We can help you set up a replacement account in parallel so sales continue. (Source: https://justifiedpayments.com/stripe-closed-my-account) ### Will I be on the MATCH list? Some terminations, particularly for fraud, excessive chargebacks or policy violations, can be reported to the Mastercard MATCH list, which can make approvals harder. Whether you were listed depends on the reason. Ask your processor, and we'll explain how it affects your options. (Source: https://justifiedpayments.com/stripe-closed-my-account) ### How fast can I get a new account? Timelines depend on your category and how quickly documents arrive. We reply within 24 hours of your submission, and that first reply includes a realistic estimate for your case. (Source: https://justifiedpayments.com/stripe-closed-my-account) ### Do I have to be in a high-risk industry? No. Some merchants are closed because of volume swings, refund rates or the way the business is structured, not because of their industry. The review tells you which applies to you. (Source: https://justifiedpayments.com/stripe-closed-my-account) ### How long will PayPal hold my funds? It depends on the reason and the documents you provide. We can't speed it up. Your notice and the Resolution Center are the authoritative source for your case. (Source: https://justifiedpayments.com/paypal-holding-funds) ### Should I stop using PayPal altogether? Not necessarily. Many merchants keep PayPal as one option and add a card-processing account so a single decision can't halt revenue. (Source: https://justifiedpayments.com/paypal-holding-funds) ### Does a PayPal limitation stop me getting a merchant account? A limitation on its own is not the same as being on the MATCH list. Underwriting looks at your processing history, chargebacks and business model. We'll tell you where you stand. (Source: https://justifiedpayments.com/paypal-holding-funds) ### What is a rolling reserve? A percentage of sales held for a set period as a buffer against chargebacks and refunds. Terms vary by processor and risk profile. We explain what to expect for your business in your review. (Source: https://justifiedpayments.com/paypal-holding-funds) ### Can you process for a sweepstakes or social casino model? Often, depending on how the promotion, entry method and redemption work. We review your structure and any legal opinion you have, and tell you plainly if it isn't a fit. (Source: https://justifiedpayments.com/igaming-sweepstakes-payment-processing) ### What do you need to evaluate my business? A recent processing statement if you have one, your website, details of your licences or legal position, and a short description of how funds move to and from players. (Source: https://justifiedpayments.com/igaming-sweepstakes-payment-processing) ### Can I keep my current processor while I switch? If your account is still open, running a second account in parallel is a common way to avoid a gap in sales. Our first reply covers options for the transition. (Source: https://justifiedpayments.com/igaming-sweepstakes-payment-processing) ### Do you work with live-break sellers? We review break and pack-opening models case by case. The details that matter are how spots are sold, when product ships and how refunds work. (Source: https://justifiedpayments.com/collectibles-card-breaks-payment-processing) ### Will a closure after a big release follow me? A closure isn't automatically a permanent mark. Some terminations are reported to a shared industry list, depending on the reason. Ask your processor, and we'll explain how it affects your options. (Source: https://justifiedpayments.com/collectibles-card-breaks-payment-processing) ### What should I have ready? Recent processing statements, your website, a description of your shipping process, and your refund and dispute policy. (Source: https://justifiedpayments.com/collectibles-card-breaks-payment-processing) ### Do I need a money transmitter licence? It depends on how funds flow and where you operate. We can't give legal advice, but the review surfaces the question early so you can get the right counsel before you apply. (Source: https://justifiedpayments.com/resale-marketplace-payment-processing) ### Can you handle payouts to sellers? Payout options depend on your structure. We cover what's possible once we understand how funds move. (Source: https://justifiedpayments.com/resale-marketplace-payment-processing) ### What if my current processor still holds some of my funds? We can't release held funds. We can help you plan a replacement account in parallel so sales keep going while that resolves. (Source: https://justifiedpayments.com/resale-marketplace-payment-processing) ### Will I always have a rolling reserve? Not necessarily. Reserves depend on your risk profile, delivery timing and processing history. We explain what to expect before you commit. (Source: https://justifiedpayments.com/online-travel-agency-payment-processing) ### Do you work with timeshare or vacation clubs? We review them case by case, focusing on how the product is marketed and how cancellations are handled. (Source: https://justifiedpayments.com/online-travel-agency-payment-processing) ### I'm already on a rolling reserve. Can you help? We can review your current terms and tell you whether better terms are realistic for your profile. (Source: https://justifiedpayments.com/online-travel-agency-payment-processing) ### What registrations do you need to see? It depends on your activity and where you operate. Typical examples include money services business registration or equivalent state, national or foreign licences. Your review tells us what applies. (Source: https://justifiedpayments.com/crypto-forex-payment-processing) ### Do you process card purchases of crypto? It depends on your model, licensing and fraud controls. We assess how funds flow and where card payments fit. (Source: https://justifiedpayments.com/crypto-forex-payment-processing) ### Does being closed by a bank affect my chances? It can come up in underwriting, and the reason matters. Tell us what you were told and we'll give you a realistic view. (Source: https://justifiedpayments.com/crypto-forex-payment-processing) ### Do I need an FFL? Selling firearms generally requires a federal licence. Accessories and ranges are reviewed separately, and we'll tell you which documents apply to your business. (Source: https://justifiedpayments.com/firearms-ffl-payment-processing) ### Will you process ammunition or parts? Policies differ by product. Tell us what you sell and we'll give you a straight answer on fit. (Source: https://justifiedpayments.com/firearms-ffl-payment-processing) ### Can I process online sales? Online and in-person models are underwritten differently, particularly around shipping to licensed dealers. We go through your process in the review. (Source: https://justifiedpayments.com/firearms-ffl-payment-processing) ## Optional - [Privacy Policy](https://justifiedpayments.com/privacy-policy) - [Terms of Service](https://justifiedpayments.com/terms-of-service)