We find the payment providers that underwrite what you actually sell.
If Stripe, PayPal, Square or Shopify Payments has terminated you, the problem is rarely your business. It is that generalist processors decline whole categories on sight. We introduce you to one provider at a time, chosen for fit — and we tell you plainly when we cannot help.
Five questions. No documents to start, and no contact details until the last step.
Merchant profile
- Category
- Peptides
- Jurisdiction
- US + EU
- Monthly volume
- $250k
- History
- Terminated
Provider appetite
- Provider 1 86
Boards the category, EU acquiring
- Provider 2 64
Boards with a higher reserve
- Provider 3 31
Category outside current appetite
What do you sell?
Category is the single biggest factor in whether you get boarded, and which provider is worth approaching. Pick yours and we will carry it into the form.
Where the declines actually come from
Each page covers what underwriters look for in that category, the documents you will be asked for, and honest reserve and fee ranges — not a rewritten brochure.
- Peptides & research compounds Research-only positioning, BRAM exposure and state-by-state legislative drift.
- CBD & hemp Legal hemp misclassified as cannabis by acquirer risk systems.
- Kratom Banned in six states, KCPA-regulated in others, and shipping rules vary.
- Supplements & nutraceuticals Claims scrutiny plus continuity billing that lifts dispute ratios.
- Forex brokers Deposit disputes, AML expectations and licence-dependent acquiring.
- CFD trading Banned for US retail, so placement runs through UK, EU and offshore rails.
- iGaming & gambling Licence-gated in every market, with volume spikes underwriters dislike.
- Adult Scheme registration, age-verification law and a shrinking acquirer pool.
- Credit repair CROA exposure and advance-fee rules that most acquirers will not touch.
Three steps, and you always know which one you are on
- 01
Tell us what you actually sell
Five questions: category, monthly volume, where you are established, your processing history, and how urgent this is. No documents, no credit check, no call required to start.
- 02
A specialist reads it, not a form robot
We check your profile against what providers are boarding right now — appetite moves month to month — and tell you honestly if we think placement is realistic before anyone submits anything.
- 03
We introduce you to the provider that fits
You deal with the provider directly from that point. They underwrite, they set the reserve, they make the decision. Most placements reach a decision in 3 to 10 business days from a complete file; registered categories add one to three weeks before you can process.
- 3–10 business days
- Typical time from complete file to a decision
- 5 questions
- To get started, before any documents are needed
- 0 processors we run
- We introduce. The provider underwrites and makes the decision
Read this before you read anything else. Satora introduces merchants to payment providers and independent specialists who may be able to support their category. We do not process payments, hold merchant accounts, underwrite applications or make boarding decisions — the provider does. We may receive a commission from a provider if an introduction leads to a live merchant account. The full disclosure is here.
What merchants ask us first
What does Satora actually do?
We are an introducer. We review your business, then connect you with payment providers and independent specialists whose appetite matches your category, volume and jurisdiction. The provider underwrites the application and makes the boarding decision. We are not a processor, an acquirer or a bank, and we never make that decision ourselves.
How long does a placement usually take?
Most placements reach a decision in 3 to 10 business days from a complete application, depending on the vertical and how quickly your documents arrive. That is time to a decision, not time to your first transaction: the card schemes require merchants in certain categories to be registered before any processing, which typically adds one to three weeks after approval. Licensed categories such as iGaming and offshore structures sit at the longer end. Anyone quoting you a fixed timeline before seeing your documents is guessing.
Can you promise I will be approved?
No, and you should be wary of anyone who does. Approval is the provider’s decision, made after underwriting your business, your history and your documents. What we can tell you early is whether placement looks realistic for your profile, and what would need to change if it does not.
What does it cost me?
Nothing to pre-qualify or to be introduced. We are paid a commission by the provider if an introduction leads to a live merchant account. That is disclosed on every page of this site and set out in full on our how-we-work page.
I am on the MATCH list. Is that the end of it?
Not necessarily, but be careful who you listen to. Only the acquirer that placed the listing can remove it, and removal is entirely at their discretion — no third party can guarantee or perform it. Some providers do board MATCH-listed merchants depending on the reason code and how long ago it was added. Our guide explains what the reason codes mean and what your realistic options are.
Do you work outside the United States?
Yes. Most search demand for merchant accounts is US-based, which is why our pages read that way, but placements run through UK, EU, offshore, UAE, APAC, LATAM and African acquiring depending on where you are established and where your customers are. Jurisdiction is one of the five questions we ask up front.
Find out what is realistic for your business
Five questions, no documents, and an honest answer about whether we can place you — including when the answer is no.