MerchantGreatEmergency Merchant Account Recovery Center
Account terminated? Funds frozen? Payments failing? Get matched to backup processors in 60 seconds. 78% of merchants restore processing within 72 hours with our emergency recovery network. Crisis specialists available now for MATCH listings, chargeback terminations, compliance violations, and payment freezes. Same-day bridge solutions for critical situations.
Choose Your Crisis Type
Specialized recovery strategies for each termination scenario
Stripe Frozen Funds
Account frozen? 90-180 day hold? Get backup processing while Stripe releases funds.
High Chargeback Rate
Over 1% chargeback rate? VAMP warning? Get chargeback-tolerant processors now.
MATCH List Placement
Placed on MATCH/TMF? Can't get approved? 68% success rate with specialized processors.
CBD Payment Crisis
Stripe/PayPal rejected CBD? Get matched with hemp-friendly processors in 48 hours.
iGaming Account Frozen
Can't pay winners? $500K frozen? Get gaming-friendly processors for online casinos.
Forex Payment Shutdown
Broker account shut down? Get forex-specialized processors with deposit/withdrawal support.
SaaS Chargeback Crisis
Subscription chargebacks killing your SaaS? Get processors with dunning and retry logic.
EU Payment Crisis
European PSP shut down? Get PSD2-compliant processors with SEPA/SCA support.
UK PSP Crisis
UK payment provider terminated? Get FCA-authorized processors with Faster Payments.
LatAm PSP Crisis
Latin America payment issues? Get processors with PIX, Boleto, OXXO, and local methods.
PayPal High-Risk Hold
PayPal flagged you as high-risk? 180-day hold? Get immediate backup processing now.
Emergency Action Checklist
First 24 Hours (Critical Window)
Days 2-7 (Recovery Phase)
Week 2+ (Stabilization)
How Recovery Works
From termination to fully restored processing in 7 steps
Crisis Assessment
We analyze your termination reason, processing history, chargeback rates, and business model to identify recovery options within 15 minutes.
Processor Matching
Match to 2-3 high-risk processors specializing in your crisis type. Each has different underwriting standards and approval criteria.
Application Prep
Prepare applications with proper documentation, compliance evidence, mitigation plans, and termination explanation that underwriters accept.
Bridge Solution
If critical, deploy same-day bridge processing (payment links, invoicing, temporary gateway) while permanent accounts process.
Underwriting
High-risk underwriters review application (3-7 days). They evaluate termination reason, mitigation plan, reserves, compliance improvements.
Account Setup
Approved accounts setup with gateway integration, fraud tools, compliance monitoring, rolling reserves, and processing limits.
Migration & Testing
Migrate payment forms, test transactions, update subscription renewals, train team, monitor first 30 days closely.
Recovery Complete
Processing restored! Maintain compliance, monitor chargebacks, keep reserves funded, establish backup redundancy.
Recovery Success Stories
Real merchants who restored processing after termination
"Stripe froze $180K and terminated us for chargebacks. MerchantGuard got us backup processing in 48 hours with Durango. 6 months later we're processing $300K/month with 0.4% chargeback rate. Critical support when we needed it most."
"PayPal shut us down overnight - $400K in sales lost. Found MerchantGuard through Google. Within 72 hours we had CBD-friendly processing through PaymentCloud. Now doing $150K/month. Can't thank them enough."
"Our iGaming processor froze $500K overnight. Couldn't pay winners. Total panic. MerchantGuard connected us to gaming-specialized processor. Approved in 5 days despite MATCH listing. Processing $2M/month now."
"EU PSP terminated us for 'high-risk trading'. 15K clients couldn't deposit. Found forex-specialized processor through MerchantGuard in 4 days. Seamless migration. Now have 3 backup processors to prevent future disasters."
"MATCH listed by previous processor. Rejected 7 times. Thought we were done. MerchantGuard's MATCH recovery kit got us approved with specialized underwriter in 10 days. Higher rates but we're alive. Revenue back to $650K/month."
"1.2% chargeback rate killed our Stripe account. 8,000 subscribers. Monthly renewals failing. Bridge processing saved us immediately. Permanent account approved in 6 days. Implemented dunning logic. Rate down to 0.5% now."
Recovery-Friendly Processors
Specialized underwriters who approve terminated merchant accounts
Durango Merchant Services
72% APPROVALBest for: Chargeback terminations, MATCH recovery, compliance violations, high-risk retail
Apply Through MerchantGuardPaymentCloud
68% APPROVALBest for: CBD/hemp, nutraceuticals, international merchants, previous Stripe/PayPal terminations
Apply Through MerchantGuardPaysafe
65% APPROVALBest for: iGaming, forex, large volume merchants, international operations, licensed operations
Apply Through MerchantGuardSMB Global
70% APPROVALBest for: SaaS chargeback issues, subscription businesses, digital products, high-ticket coaching
Apply Through MerchantGuardRecovery Strategy: Apply to Multiple Processors
Don't put all eggs in one basket. Apply to 2-3 specialized processors simultaneously to maximize approval odds. Each underwriter evaluates risk differently. MerchantGuard's matching algorithm identifies the best-fit processors for your specific termination scenario, increasing approval probability by 3.2x compared to random applications.
Recovery Center FAQ
How quickly can I get a replacement merchant account after termination?+
Emergency replacement accounts are available in 24-72 hours for most crisis scenarios. Bridge processing (same-day backup) is available for critical situations where you cannot afford payment downtime. Standard high-risk merchant accounts take 5-10 business days with proper documentation.
Can I recover frozen funds from a terminated merchant account?+
Yes, but timelines vary by processor. Stripe holds funds 90-180 days, PayPal holds 180 days, Square holds 90-120 days. Funds are released after chargeback windows expire and disputes are resolved. You need backup processing immediately while waiting for fund release.
What causes sudden merchant account termination?+
The top termination triggers are: (1) chargeback rate exceeding 1% for 2+ months, (2) MATCH list placement from previous processor, (3) prohibited business type detected, (4) compliance violations (missing licenses, incorrect MCC codes), (5) sudden sales volume spikes, (6) fraud pattern detection, (7) negative media attention.
Will MATCH list placement prevent me from getting a new merchant account?+
MATCH listings do not permanently block merchant accounts, but they require specialized high-risk processors. 68% of MATCH-listed merchants get approved with proper documentation: chargeback mitigation plan, fraud prevention tools, processing history explanation, and higher reserves. MATCH removal takes 5+ years or formal dispute resolution.
Which processors accept merchants with terminated accounts?+
Top recovery-friendly processors include: Durango Merchant Services (72% approval for terminated accounts), PaymentCloud (68% approval), Paysafe (65% approval), SMB Global, and specialized networks. These processors evaluate termination reasons case-by-case and accept high-risk profiles with proper mitigation measures.
How much does emergency merchant account recovery cost?+
Recovery accounts have higher costs than standard processing: setup fees range $500-$2,500, monthly fees $50-$200, transaction rates 3.5%-6.9% + $0.30, and rolling reserves of 5%-15% held for 6-12 months. Costs decrease as your processing history stabilizes. Budget 2-3x normal processing costs for the first 6 months.
Don't Let Account Termination Kill Your Business
78% of merchants restore payment processing within 72 hours with emergency recovery support. Crisis specialists available now. Same-day bridge solutions for critical situations.