Stripe · PayPal · Square · Mercury · Wise · Revolut
Don't lose your processor. Audit before you apply.
Two modes. Prevention: describe your business, pick your target processor, and we surface the AUP clauses you're likely to trigger plus a documentation plan to mitigate. Recovery: paste the freeze email and we draft an appeal-letter outline plus regulator-escalation pathway. Public-source patterns only — outcome of any specific application or appeal is not guaranteed.
Who actually uses this
- Crypto-adjacent SaaS — KYC tooling, on-chain analytics, custody dashboards, NFT marketplaces. Stripe and PayPal default-deny these even when the activity is fully compliant; we map the AUP clauses they invoke and the documentation that gets the appeal escalated to a human.
- DAO treasury managers — moving stablecoin or token grants through Mercury / Wise / Revolut Business. Frozen 4-7 days after the first 6-figure inflow when the bank's automated rule fires.
- OTC desks + cross-border invoicing — payment volumes that look like layering to monitoring rules even when the underlying trades are legitimate. We draft the documentation pack that rebuts the layering narrative.
- High-risk e-commerce — supplements, regulated cannabis, gambling-adjacent tools, adult-content tooling. The AUP clauses are well-documented; most founders trip them not knowing they exist.