Payment processor setup & infrastructure
The aggregators
Stripe, Shopify, and PayPal aren’t built to keep you.
The least stable options out there: easy to get approved with upfront, but the real underwriting comes later, usually when your volume spikes.
Stripe
Instant approval, instant risk. Scale too fast or trip a threshold and funds get held or the account closed, often with a 90-day reserve.
Shopify Payments
Convenient, but it’s Stripe underneath: the same aggregator risk and payout holds, just rebranded.
PayPal
Known for 180-day holds and permanent limitations, applied by automated risk systems that are hard to appeal.
What it costs you
The cost of an ineffective structure.
Low authorization rates
Declined transactions you never see, quietly costing you sales at checkout.
High transaction fees
Aggregator pricing that eats your margin as volume grows.
No account support
No one to call when something breaks, just a support queue.
Unsupported currencies & payment methods
Buyers who can’t pay the way they want, in markets you can’t fully serve.
Capped scaling potential
A setup that stalls or flags you the moment you start to grow.
The operational audit
Every account starts with an audit.
Before we place you, we run a comprehensive operational audit of your business, so the account we build is stable from day one rather than flagged in month three. What we look at depends on your situation, but it usually covers:
01
Authorization-rate analysis
02
Risk & chargeback mitigation
03
Bank policy examination
04
Website UX & UI review
05
Licensing & compliance audit
06
Documentation assessment
Outcomes
Approval is the start, not the finish.
Tier-one provider access
Dedicated account management, with a lifetime guarantee
End-to-end compliance
Favorable provider terms
Higher authorization rates
The payment methods you need: Apple Pay, Google Pay, local APMs
Receipts
Approvals that actually landed.
48 hours
MID activated, gateway issued
Live
Terms adjusted, payouts moving
Approved
Boarded where he expected a decline
In their words
Merchants who got approved.
Compaytence was incredibly professional, highly knowledgeable, and extremely efficient throughout the entire process. Their team moved fast, communicated clearly, and delivered exactly what they promised.
★★★★★
Zack Onye
Google review · a month ago
Compaytence and the team have been very helpful in acquiring payment processors for our e-commerce brand. They have also been very insightful in giving advice in order to scale our business.
★★★★★
Brandon van Mierlo
Google review · 6 months ago
Working with the Compaytence team has been a game changer for our business. They used their connections to get us speedy approval with ease and competitive rates.
★★★★★
Blake
Google review · a year ago
One solution, expert support, lifetime account guarantee.
We give you access to a network of 40+ top-tier providers.
So you can support every currency, payment method, platform, and region, without compromise.
Common questions
PSP setup, answered.
What is a high-risk merchant account?
What makes a business high-risk?
What does “guaranteed onboarding” mean?
How is this different from signing up with Stripe directly?
What’s the lifetime account guarantee?
How long does approval take?
Next step
Get approved, and stay approved.
Tell us what you sell and where. We’ll map the path to approval.