$20M+ a quarter for brands most banks won't touch. We find the padding. You see everything.
Free. No signup, no call, no commitment. Your numbers stay yours.
Raffaele, co-founder
None of them are your fault. Most of them are fixable.
One email. Account closed, funds frozen. You rebuilt your checkout in a weekend and swore never again. Then it happened again.
A 10 percent rolling reserve, "temporary." That was two years ago. It's your money, sitting in someone else's account, earning them interest.
They signed you and never looked at your account again. Your volume grew, and more volume should mean lower rates. But every time you ask, the answer is the same: "you're high risk, we can't lower it."
Many high-risk brands approve only 55 to 65 percent of payments. The rest are real buyers with real cards, turned away at your checkout.
Visa now grades your processor's entire portfolio on fraud and disputes. When other merchants on the same processor push the ratio over the line, the extra fees, the tighter rules, and the deeper reserves roll downhill onto everyone, including you. Whose portfolio you sit in now decides what you pay. That's why placement is half the game.
If your vertical is on this list, we already know your banks, your descriptors, your reserve games, and what a normal approval rate looks like for you. You won't spend the first call explaining your own industry.
My co-founder runs a DTC brand in a restricted category. We know what a frozen payout does to a Friday.
We hold relationships with multiple high-risk processors and banks. You get routed to the one whose bank accepts your vertical in writing, not the one that pays us the most.
Every claim we make shows up in writing with the math behind it. If we can't beat your current setup, we say so and you keep it.
You will never file a ticket to reach the person who handles your money.
Put a number on it. Rough in five seconds here, exact from your statement.
Lifting approval toward 75 percent is a common result. The gap is worth a closer look.
Three numbers get you moving. We come back with what we can already tell you, and you decide if the full teardown is worth a statement.
Ready with a statement? Email it to raffaele@senco.aicopied · goes to a founder, not a queue