What triggers this status
Aggregators terminate for one of three reasons: category violation (your business hit a prohibited MCC their underwriting missed at signup), chargeback spike (single bad cluster trips automated fraud), or compliance flag (a complaint, a regulator inquiry, or a brand-protection issue from the card networks).
The aggregator model — one master MID shared across thousands of merchants — means any individual merchant's risk is the aggregator's risk. They terminate fast and ask questions later. A dedicated MID at a specialist acquirer treats your file as a relationship, not as a line item in fraud detection.
What underwriters look at
Category violation is easiest to place; chargeback termination needs alerts wiring; fraud termination is hardest.
Aggregator terminations don't always trigger MATCH but sometimes do. We check before underwriting.
Bank statements + the processing data the aggregator dropped on you when they terminated.
What you've changed since the termination — refund policy, fulfillment, descriptor, compliance.
What we need to rebuild your file
- Termination notice from prior processor
- Last 3 months bank statements
- Last 3 months processing reports (export before account closure if you can)
- MATCH listing notice (if any)
- Updated website + refund + terms
- Merchant application + voided check + government ID
Path back to approval
The path is: specialist acquirer + transparent termination narrative + operational fix. Most aggregator terminations place inside 24–72 hours at standard high-risk pricing. MATCH-listed terminations take 5–10 days at MATCH-friendly acquirers.
Pricing typically lands at 3.45% – 4.95% + $0.25 — often within 0.5–1.5% of what your aggregator was actually charging once you account for their hidden fees, instant-deposit charges, and the lost revenue from the freeze itself.
Approval timeline
- 1Same-day pre-qualification
We review the termination notice and pre-confirm fit before any application.
- 2Document collection (1–2 days)
Bank statements + prior processing + updated website + termination narrative.
- 3Underwriting (24–72 hours typical)
Standard aggregator-termination files approve fast. MATCH-flagged takes 5–10 days.
- 4MID live + funds-recovery support
We help with the prior-processor reserve release timeline (usually 90–180 days).