Get the merchant accounts your business actually needs
Who this is for
Payment processing that fits your business
Whether you’re opening your first merchant account, adding another processor, or looking for a better provider, we help you find the right fit.
- Ecommerce and retail
- Software and subscriptions
- Health and wellness
- Professional and financial services
- Gaming and digital goods
- Coaching and education
- AI products and apps
We also work with industries that need specialized processing support, including Peptides, Telehealth, Adult and dating, CBD, and more.
What we do
Three ways we get you processing
First merchant account
New entity, thin processing history, hard category: we package your application properly and submit it to partners who actually board your vertical, in the right order.
Backup and additional MIDs
Already processing but one risk review away from trouble. We place redundant accounts so a single shutdown never stops your revenue.
Geographic expansion
International business entering the US, or US business going abroad. We route you to acquirers that fit the corridor, currencies, and entity structure you have.
Why merchants come through us instead of applying cold
Placement is the start, not the product
We know who boards what
Our partner network spans banks, processors, and acquirers across risk appetites, so your application goes where it can actually be approved instead of burning your history on cold submissions.
Your application is packaged by people who process
Underwriters see hundreds of sloppy apps a month. Ours come with the volume story, mitigation setup, and documentation they need to say yes.
One application, not ten
Tell us your situation once. We match you to the right partners and manage the submissions, including the order they happen in (submitting you everywhere at once can hurt you; we don’t do that).
The software layer is ready when you are
Once you’re live, PaymentKit’s orchestration puts every MID behind one integration: routing, automatic failover, independent token vaulting, smart dunning, and chargeback mitigation through our partners. Your accounts stay healthy, so you keep them.
Proof
- 20+subscription brands in our own portfolio, run on this exact setup: multiple MIDs, orchestrated.
- 10%+authorization-rate lift for merchants using our routing and recovery stack.
How it works
From inquiry to processing
Four steps, and you hear a straight answer at the second one. Nothing is submitted anywhere until we’ve agreed on where and in what order.
- 01
Tell us about your business
The 2-minute form below. Be upfront about history and prior submissions; it changes our strategy and saves everyone a week.
- 02
Placement review
We tell you honestly whether and where we can place you, usually within 2 business days.
- 03
Package and submit
We package your application, submit it to matched partners in the right order, and manage it to approval.
- 04
Go live
Start processing, and optionally put PaymentKit’s orchestration layer on top so you never depend on one account again.
Request placement review
Tell us about your business
Two minutes. A real person reads every inquiry, and the more candid you are about history and prior submissions, the faster and more accurate our answer.