A closure notice can cut off revenue overnight. This page covers what to do in the first few days, why closures happen, and how a high-risk-savvy processor can get you back online without repeating the problem.
Reply within 24 hours. No obligation.
It usually names the reason category and says what happens to pending funds and open disputes. Screenshot it and save the email.
Download transaction history, payout reports and refund logs while you still have access. If you bill customers on a recurring basis, ask whether stored payment data can be migrated to a new processor.
Chargebacks can keep arriving for months after an account closes. Keep delivery proof, customer messages and invoices organized so you can respond.
Honor refunds and fulfill open orders. Customer goodwill limits the dispute spike that makes the next application harder.
Applying again through a new entity or alias to get around a closure tends to backfire, and can breach the terms you agreed to.
Underwriters look at your track record. Pull the last three to six months of processing statements now.
These are common reasons across processors. The notice on your account is the authority for your case.
Some categories sit outside a processor's policy however well the business is run. The closure is about the category, not your performance.
Dispute or refund ratios above a processor's tolerance trigger reviews, reserves or closure.
Selling products or running a model that differs from what was described at signup.
Fast growth, a viral product or a new price point can trip risk models before the processor has seen your history.
Charging well before fulfillment, such as pre-orders or events, raises dispute exposure.
Regulated products and services need paperwork on file. Gaps can end an account quickly.
We’d rather be straight with you now than disappoint you later.
Two minutes. Name, company, website, and your current processor if you have one.
A person, not an autoresponder, replies and asks for a recent processing statement and a few details.
Whether your business fits, what to expect on reserves and limits, and whether we’d recommend applying. If we’re not the right fit, we’ll say so.
Free Account Stability Review
We’ll reply within 24 hours. No obligation, and no credit check at this stage.
We’ll reply within 24 hours. Watch for an email from justifiedpayments.com, and check spam if you don’t see it.
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.
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.
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.
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.
This page is general information, not legal or financial advice. A review is not an approval or an offer of credit; underwriting decisions are made by acquiring banks. Justified Payments is not affiliated with, endorsed by, or sponsored by Stripe. All trademarks belong to their respective owners.