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Ready to accept payments?
Send your business details and we will review your category, current processing, and fit. You get a specific answer back, not a public teaser rate.
- Built for categories mainstream processors decline or shut down
- Daily ACH settlement instead of slow funding cycles
- No long-term contracts and no early-termination fees
- A real underwriter reviews your category before you sign
Tell us about your business.
FAQ
Questions before you reach out?
The basics on approval, fees, and what to have ready.
What makes a merchant account high risk?
A merchant account is high-risk when underwriters see a higher chance of chargebacks, refunds, or compliance trouble in the category. That judgment weighs the business category, online sales volume, chargeback exposure, fulfillment timing, compliance requirements, processing history, and whether mainstream rails have already declined or shut down the account.
Can Midnight Payments help after Stripe, Square, PayPal, or Shopify Payments shuts down an account?
Yes. Midnight Payments is built for merchants that mainstream processors decline or terminate, especially ecommerce and B2B businesses.
Can I get approved if I am on the MATCH or TMF list?
Often, yes. A MATCH or TMF listing flags a terminated merchant to the card networks, but it gates the card rails, not the bank rails. An e-debit (ACH) solution can board regardless of MATCH status, while card-network options depend on the reason code you were listed under. No one can promise automatic approval.
Do startups qualify?
Startups can be reviewed, but underwriting will look closely at the vertical, website, fulfillment model, compliance posture, projected volume, and owner experience.
What information should I have ready?
Have your vertical, business website, current processor status, monthly volume, average ticket, chargeback history, and recent statements ready if available.
What if I am still under contract with my current processor?
Being under contract elsewhere does not have to block a switch. Many high-risk merchants move while an old agreement is still running, and the contract terms, including any early-termination fee, are a normal part of the switching conversation rather than a dead end. The account on this side carries no long-term contract and no early-termination fee, so you can plan the move on your own timing.