Guides
Guides: how approval actually works
Practical guides to merchant accounts, bank accounts, shutdowns, and the numbers banks watch. Facts are cited. We do not teach you how to hide a business from a bank. Pages still in review are marked and kept out of search.
- Chargeback ratio thresholds in 2026: Visa VAMP and MastercardChargeback ratio thresholds in 2026: Visa VAMP and Mastercard
- Does Stripe allow peptides?Does Stripe allow peptides?
- High-risk business bank accounts: what banks check and what keeps the account openHigh-risk business bank accounts: what banks check and what keeps the account open
- High-risk merchant account requirements: the 2026 checklistHigh-risk merchant account requirements: the 2026 checklist
- How long can Stripe hold your funds?How long can Stripe hold your funds?
- How to get off the MATCH listHow to get off the MATCH list
- Payment processing for research peptides: what the bank underwritesPayment processing for research peptides: what the bank underwrites
- Rolling reserves: how they work and when you get the money backRolling reserves: how they work and when you get the money back
- Can you sell peptides on Shopify?Can you sell peptides on Shopify?
- Stripe closed my account with money in it. What now?Stripe closed my account with money in it. What now?
- Denied a business bank account? What to do nextWhy banks deny business accounts, what they're required to collect, and how to apply again with a stronger file.
- Debanked? What the 2026 reputation-risk rule changesWhat the reputation risk rule changed, what it didn't, and practical steps if your bank account is closed.
- Nacha return rate limits: the numbers your bank watchesThe three ACH debit return lines (0.5%, 3%, 15%), how Nacha calculates them, and what your bank does when you get close.
- RTP vs FedNow vs wire: which rail fits your business?Hours, limits and finality for RTP, FedNow and Fedwire, plus how Same Day ACH compares.
- Correspondent banking, explainedWhat correspondent accounts are, nostro vs vostro, the US due diligence rules, and how they affect cross-border payments.
- The GENIUS Act: what it means for businesses using stablecoinsWho can issue payment stablecoins, reserve and disclosure rules, BSA duties, the effective date, and what it means for businesses that use stablecoins.
- High-risk industries list: why a bank marks a categoryWhere high-risk industry labels actually come from: card network categories, regulators, Nacha, and processor restricted lists.
- What high-risk merchant account fees actually pay forThe parts of a high-risk merchant account price, which are set by the networks and which are negotiable, and what to ask before you sign.
Comparisons live on Compare. Shorter notes live on the blog.