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Payment stacks + ongoing consulting

Get approved. Then get optimized.

We build and manage your payment stack around the way your business sells—from merchant accounts and gateway setup to fraud protection and dispute alerts. Once you’re live, our experts and technology work behind the scenes to keep every account healthy, payments running efficiently, and your business ready to scale.

  • 41 industries placed
  • Full payment stack
  • Consulting after approval
  • Miami Beach team
Not ready to talk? Try the hub demo
Bird’s-eye view
All accounts · 3 MIDs
Sample data
Volume, 30 days$412,380▲ 8.2%
Approval rate92.6%▲ 1.9 pts
Visa dispute ratio0.41%
Disputes stopped74RDR, Ethoca & VDO
Daily volumeAll accounts
30 days agoToday
  • bloomandbranch.com ••4821Card · eCommerceHealthy
  • thescoopclub.com ••7730Card · SubscriptionsRatio rising
  • eventsbybloom.com ••3356ACH · Payment plansHealthy
Try it live

41 high and medium-risk industries placed, from CBD to gaming

See every industry
Your payment stack

Everything you need to take payments, set up as one

We don’t just open an account. We set up and orchestrate every layer, so payments go through, fraud stays out and disputes get stopped early.

Merchant account & MCC

Set up under the right merchant category code, so costs and approvals start right.

Gateway setup

Connected to your site, cart or CRM, and tested before you go live.

3DS

Customers confirm online purchases with their bank, and fraud liability can shift to the issuer.

Fraud scrub

Velocity, AVS, CVV, device and IP rules that screen every order before it’s authorized.

Stopping BIN attacks

Bots testing stolen card numbers, blocked at the gateway before they cost you.

RDR, Ethoca alerts & VDO

Disputes resolved before they become chargebacks or count against your ratios.

Compelling evidence

Stronger responses to the disputes that still come through, so you win more of them.

Issuing BIN setup

For programs that issue their own prepaid, gift or virtual cards.

See the full payment stack
Where you are right now

Whatever brought you here, we’ve seen it before

Shut down by Stripe, PayPal or Square

Those platforms restrict whole industries by policy. We move you to a dedicated account that accepts your business.

Get processing again

Funds frozen or held

We help you read the terms, document what you’re owed and push for the fastest release.

Release your funds

Declined by your bank

One acquirer’s decline is another’s approval. We know which processor fits your industry before you apply.

Find the right match

Paying too much

Send a statement. We show your effective rate, what it should be, and keep it there after you switch.

Get a free statement review
Consulting after approval

Most providers stop at approval. That’s where our work starts.

Opening the account is step three of six. We stay on it with you: watching, tuning and planning, so your processing gets better every month instead of drifting.

  1. ApplyTwo minutes to start
  2. MatchThe processor that fits you
  3. ApproveAccount live
  4. MonitorDaily, every account
  5. OptimizeFees, approvals, fraud tools
  6. GrowLimits, backups, new rails
The bird’s-eye view

Your whole processing picture, in one place

Every account and every processor, measured the same way. You see what we see, and we use it to tell you what to do next.

See your ratio before the card brands do

Dispute and fraud ratios tracked daily, by card brand and by account, with a forecast of where the month will close. If the line is heading toward a threshold, you hear from us first.

  • Daily ratio by Visa and Mastercard
  • Month-end forecast
  • Alerts and RDR set up before it’s urgent
Sample data0.00%0.25%0.50%0.75%1.00%ThresholdForecast 0.71%MayJunJulAugSepOctEnd

Recover sales you didn’t know you were losing

Every decline grouped by reason. We fix what can be fixed, like descriptors, retry timing and checkout fields, and show you the revenue it brings back.

  • Approval rate by account and card type
  • Decline reasons ranked by lost revenue
  • Fixes reviewed with you monthly
Sample data
92.6%approved
  • Insufficient funds41%
  • Do not honor23%
  • Expired card12%
  • CVV mismatch9%
  • Other15%

Stop fraud and disputes before they count

Your payment stack, tuned: 3DS and fraud scrub rules on the gateway, protection against BIN attacks, and RDR, Ethoca alerts and VDO to resolve disputes before they become chargebacks. What still comes through, we answer with compelling evidence.

  • 3DS and fraud scrub rules
  • BIN attacks blocked at the gateway
  • RDR, Ethoca alerts and VDO, tracked per account
Sample data
  • 9:42 AMRDR Visa dispute refunded automatically$49
  • 8:15 AM3DS Fraud liability shifted to the issuer$312
  • YesterdayFraud scrub BIN attack blocked: 1,204 card tests$0 lost
  • YesterdayEthoca alert Refunded before it became a chargeback$128
  • Disputes stopped this month, all accounts74

Keep bank payments from bouncing back

Returns tracked by reason code, with the patterns behind them. High return rates bring scrutiny, so we catch them while they’re small.

  • Return rate by account
  • Breakdown by return code
  • Fixes for verification and timing
Sample data
Return rate0.56%Last 30 days, eventsbybloom.com
  • R01 · Insufficient funds0.38%
  • R02 · Account closed0.11%
  • R10 · Not authorized0.04%
  • R03 · No account0.03%
What consulting covers

Everything you need to thrive after you’re approved

One view of everything

Every MID and every website on one screen: volume, approvals, chargebacks, dispute alerts and deposits, measured the same way.

Chargeback & VAMP watch

Ratios tracked daily by card brand, with a month-end forecast. We call you before you get near a threshold.

Fee and rate reviews

We read your statements so you don’t have to, track your effective rate, and go back to the processor when fees creep up.

Approval-rate tuning

Declines broken down by reason, with fixes to descriptors, retries and checkout that recover real revenue.

Fraud and dispute tools

3DS, fraud scrub rules and protection against BIN attacks, plus RDR, Ethoca alerts and VDO to stop disputes before they count. We tune them so good customers still get through.

Room to grow

Higher limits, backup accounts, ACH and new markets, arranged before you need them rather than after a hold.

How our consulting works Try the hub demo
How it works

Three steps to approved, and a partner after that

  1. 1

    Tell us about your business

    Two minutes: your industry, volume and how you sell. A consultant calls you back to fill in the rest.

  2. 2

    We match you with the right processor

    We submit to the acquirer whose underwriting fits you, with the documents it needs, so you aren’t declined for avoidable reasons.

  3. 3

    You’re approved. We keep working.

    Your account joins our platform. We review it with you and keep it healthy, efficient and ready to grow.

Prefer to talk? Call a consultant in Miami Beach at (786) 636-1361.

Start online
FAQ

Questions merchants ask us first

All questions

What does PaymentHelp do?

We set up and orchestrate your payment stack: merchant accounts, gateway setup, 3DS and fraud scrub, and dispute alerts like RDR, Ethoca and VDO, matched to how you sell. After you’re live we keep consulting on the account: monitoring chargebacks, approval rates, fraud tools and fees, and helping you grow.

How are you different from other providers?

Most providers open your account and move on to the next one. We stay with you. We plan for the long haul: watching your ratios, fees and fraud tools every day, fixing problems before they put the account at risk, and adding capacity when you’re ready to grow. The goal is simple: keep you open, and keep you growing.

How are you different from a processor?

A processor can only offer its own program. We work with multiple processing partners, so we can submit your business to the one whose underwriting fits your industry and history. And we stay with you after approval instead of handing you to a support queue.

What happens after my account is approved?

You get a bird’s-eye view of your processing across every account, and a consultant who reviews it with you. We watch your ratios against card-brand thresholds, check your statements for fee creep, tune your fraud scrub and dispute alerts, and help you add capacity as you grow.

Can you help if Stripe, PayPal or Square shut me down?

Yes. Those platforms restrict many industries by policy. We move you to a dedicated merchant account with an acquirer that knowingly accepts your business, so you aren’t at risk of the same shutdown.

What do I need to apply?

To start, just your contact details, your industry and your monthly volume. Your consultant then tells you exactly which documents the matched processor needs. Usually ID, a voided check, and recent bank and processing statements.

Which industries do you work with?

More than forty, from CBD, nutraceuticals, bail bonds, travel and gaming. See the full list on our Industries page.

Talk to a payments consultant

Tell us about your business. We’ll tell you which processor fits, what it should cost, and how we’ll keep it optimized after you’re approved.

Get started (786) 636-1361
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