High-Risk Merchant Payment Processing: How to work with ISO's offering card processing.

There's no way to guess about this, as checks will vary across time. For example, you might get a Barclay Apple card + they might check Transunion today + Experian tomorrow or both. There's no way you can form any conclusion about this, which will last more than a few days.

Emphasize the lack of transparency regarding the deposit reduction. If they initially agreed to a lower deposit and then reversed their decision, it's reasonable to dispute the charge. Highlight the absence of a clear refund policy and how it was communicated to you. If they assured you of a refund in case of non-qualification and you didn't provide confidential documents due to privacy concerns, you have grounds for a full refund. Document the communication regarding the application deletion before the stated deadline. If they prematurely terminated your application without giving you the agreed-upon time to consider, it supports your case for a refund. Express your dissatisfaction with their customer service and compare it to your experiences with other agencies. You have the right to choose which services to engage with, and poor service can justify seeking a refund. Privacy and security concerns are valid reasons to withhold confidential information. Emphasize that you were unwilling to compromise your personal information, and this should not disqualify you from a refund. Compile all relevant email communications as evidence for your credit card dispute. Clearly outline your points, focusing on their breach of agreement, lack of transparency, premature application deletion, poor customer service, and your legitimate privacy concerns.

Use a PayPal or Stripe account.

If you're asking about processing point-of-sale payments, have you considered using the smart phone tools available from Square, PayPal or QuickBooks? You don't need to have a formal business entity structure to use these. A sole proprietorship is a viable business model to conduct some sales and test payments.

Hello, I've built and integrated with countless payment processors in my time, including the usual Stripe, PayPal and Braintree managed processors as well as direct banking integrations (HSBC, RBS etc) and I've also worked at indirect competitors of AirBnB and the key to getting the process to work like AirBnB isn't to use the default offerings of Stripe, PayPal and Braintree :) You have to go straight to the back end payment processors of your bank or to an API based intermediary. Some are offshoots of default services like PayPal, eWay and WorldPay, others are bespoke banking solutions which charge you on-demand/PAYG or a fixed fee and then you maybe optimise your costs on your side depending on the charging model. However, this isn't a small scale integration. Some of these take 3 weeks of bespoke development, when factoring in the merchant ID and banking QA process. Hit me up for a call if you need to discuss this in more detail. Happy to help.