Inside the High-Risk Acquiring Model: Mechanics, Costs, and Where a Specialist Processor Fits
A subscription software company receives a termination notice from its payment processor on a Tuesday afternoon. No phone call, no warning period — just an automated email citing “elevated dispute activity” and a 90-day hold on the remaining settlement balance. The merchant’s dispute ratio had crossed 1.0% of monthly transactions, a threshold that triggers Visa’s…
