The right merchant account, the first time.
Alongside the Pleezpay orchestration platform, we advise on payments and banking. We assess your profile, shortlist the providers that actually fit it, and help you apply, so you stop guessing which acquirer will take your business and start talking to the ones that will.
No approval guarantees. Every provider decides on its own terms.
A candid assessment, first.
Most advisory in this market is sold on optimism. We would rather be useful. You get our honest read on what is realistic before any work begins, and we are clear about the one thing nobody in this market controls.
We do not sell guaranteed approvals, and we would treat anyone who does with caution.
We tell you what is realistic first
Before any work begins, you get our read on your profile: which provider types are plausible, which are not, and what your model, markets and history mean for underwriting. If we think the odds are poor, we say so rather than sell you a process.
The provider always decides
We prepare and present the file. Acquirers and PSPs run their own underwriting and set their own terms. Nobody can promise you an approval, and we do not sell one. An advisor who guarantees a decision they do not control is telling you something else.
We advise on fit, not on workarounds
We work with established businesses and with businesses entering new markets or changing their model. What changes is the shortlist, the documentation and the timeline. We do not place a business that a provider's rules or the law exclude, and we say so at the assessment stage.
You keep the work either way
The assessment, the shortlist and the application pack are yours. If you decide to apply elsewhere, or to stay where you are, you leave with a clearer picture of your own risk profile than you arrived with.
Not sure which PSP or merchant account fits? We advise, and help you apply.
Choosing an acquirer is a research project most teams do once, under time pressure, with no way to compare. We do it every week. You get the shortlist, the trade-offs and an application that underwriters can actually approve.
No approval guarantees. Every provider decides on its own terms.
A candid assessment first
We start with your model, your volumes, your chargeback history and where your customers are. If your setup already works, we tell you that.
A shortlist matched to your profile
You get a shortlist of acquirers and PSPs realistic for your business model and your markets, with the trade-offs spelled out.
Underwriting-ready applications
We prepare the file the way underwriters read it: company structure, processing history, refund and dispute policy, site compliance, supporting documents. Fewer rounds of questions.
The provider makes the final call
We advise and prepare, but we do not sell approvals. Every acquirer and PSP decides on its own terms, and we say so up front instead of promising an outcome.
Applying alone is a research project. It does not have to be.
Choosing and applying to an acquirer is something most teams do once, under time pressure, with nothing to compare against. Here is what changes when someone who does it every week prepares the file with you.
Applying alone
- Generic applications declined without explanation
- Months lost on providers that never onboard your profile
- Documentation returned repeatedly for omissions
- No view of which terms are normal and which are not
With Pleezpay advisory
- A shortlist matched to your business model and markets
- An underwriting-ready application pack from the outset
- Your history presented with context, not left to guesswork
- A realistic assessment before you commit to anything
Know the market before you sign.
Merchants are routinely quoted terms with nothing to measure them against. These are the broad ranges businesses encounter in the market, enough to tell an ordinary offer from an unusual one and to ask better questions.
Processing rate
- Typical range
- Typically low single-digit percentages, plus a fixed per-transaction fee
- What moves it
- Varies by sector, history and provider. Card mix, region and average ticket all move it.
Rolling reserve
- Typical range
- Typically nil to a low double-digit percentage, held for a set period
- What moves it
- Varies by sector, history and provider. Established processing history usually reduces or removes it.
Settlement cycle
- Typical range
- Typically daily to monthly, after a holding period
- What moves it
- Varies by sector, history and provider. Faster cycles are common for lower-risk profiles.
Underwriting timeline
- Typical range
- Typically days to several weeks from a complete file
- What moves it
- Varies by sector, history and provider. Incomplete documentation is the usual cause of delay.
| Term | Typical range | What moves it |
|---|---|---|
| Processing rate | Typically low single-digit percentages, plus a fixed per-transaction fee | Varies by sector, history and provider. Card mix, region and average ticket all move it. |
| Rolling reserve | Typically nil to a low double-digit percentage, held for a set period | Varies by sector, history and provider. Established processing history usually reduces or removes it. |
| Settlement cycle | Typically daily to monthly, after a holding period | Varies by sector, history and provider. Faster cycles are common for lower-risk profiles. |
| Underwriting timeline | Typically days to several weeks from a complete file | Varies by sector, history and provider. Incomplete documentation is the usual cause of delay. |
Indicative market ranges, for orientation only. All terms are set by the provider and depend on your sector, history and jurisdiction. These are not Pleezpay’s fees, and they are not a quote.
Three steps, one point of contact.
No long discovery phase and no black box. You tell us what you run, we tell you what is realistic, and we prepare the application with you.
01
Tell us about your business
Your model, your volumes, the markets you sell into, your processing and chargeback history, and what you are running today. The more complete the picture, the more useful the assessment.
02
We assess and shortlist
You get a candid feasibility read and a shortlist of providers matched to your profile: who underwrites businesses like yours, what each one will want to see, and the trade-offs between them.
03
We prepare and submit with you
We assemble the application the way underwriters read it: company structure, processing history, refund and dispute policy, site compliance, supporting documents. One point of contact through the review.
Get approved, then route across your providers.
The advisory gets you the accounts. Pleezpay is what you run on top of them: one integration in front of every provider you hold, with reconciliation deciding what actually happened to each payment.
- First
Get approved
Advisory gets you onto providers that will actually underwrite your business, with an application built to survive review rather than bounce back for omissions.
- Then
Route through one integration
Pleezpay sits in front of those providers as your orchestration layer: one API, one status model, one dashboard. Add or change a provider without rewriting your checkout.
- Always
Know what actually happened
Reconciliation re-verifies every open attempt against the provider, so a dropped browser redirect never decides whether you were paid. Late approvals get reinstated; the ledger stays the source of truth.
One team for the accounts and the rails.
- Cards, iDEAL, Bancontact and Klarna available today
- Hosted payment page or your own checkout domain
- Versioned REST API, enforced idempotency, signed webhooks
- Immutable double-entry ledger and itemized settlement statements
Route smarter. Get paid more.
One integration, multiple providers behind it, and reconciliation deciding what actually happened. Apply and we will walk you through onboarding.
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