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Merchant acquiring
Payment gateways, after the acquiring bank underwrites the MCC
Last updated October 11, 2026
A gateway only moves the transaction. The approval lives at the acquiring bank behind it. We place merchants in high-growth, complex industries, including Shopify and WooCommerce stores, with a gateway tied to a bank that has underwritten what you actually sell. Subject to bank approval. Approval is never guaranteed.
We place payment processing, business banking and crypto rails for high-growth, complex businesses with institutions that take the industry, then watch the chargeback ratios, reserves and reviews that get accounts closed, with more than one rail so one bank's no doesn't stop the business. Approval is never guaranteed.
Who it's for
- Shopify stores that outgrew Shopify Payments
- WooCommerce and other ecommerce stacks
- Subscription and trial offers that need a clear checkout
- Merchants told to 'just switch gateways' after a shutdown
What the bank needs
- The live store, not a staging site
- Products, pricing, and cancellation terms
- Prior processing and any closures
- The bank you want named on the account
Under Shopify Payments you're a sub-merchant, and Shopify picks the processor behind it. A gateway only routes the payment; the bank behind it holds the risk. Switching the gateway without a bank that has approved your products doesn't fix a shutdown.