The Suspension Red Flags Every Merchant Must Avoid
Payment processors have scores of suspension triggers in addition to chargeback ratios. Such hidden triggers are: changing product mix like CBD into a supplement shop; running to marketing venues that could cause unknown affiliate traffic spikes; and too many orders from areas mostly associated with high fraud-or simply customer geographical shifts. Your site’s terms and conditions need to match your merchant application precisely as processors frequently crawl sites for unknown business models. Staff training is also important; it takes just one employee overriding some alerts to trigger accounts for review. Suspensions by far are generally due to “KYC drift”-wherein new business operations vary from your original underwriting profile. High-risk merchants require reviewing their actual processing versus the accepted parameters every month on their own.
Building Suspension-Proof Operations
Have ready to hand, an “emergency suspension kit,” which consist of 3 months bank statements, customer service history, and product sourcing documentation. Spread risk across multiple merchant accounts – no more than 30% volume through any single provider. Have real-time chargeback alerts through Ethoca or Verifi to settle disputes before they reach thresholds. Record all policy communications- many suspensions are due to failure to read processor emails about necessary documentation updates. Consider retention professionals like Chargeback Gurus, who mediate with processors during crisis times. “Suspension backup” accounts off shore allow the highest risk verticals to keep things flowing while domestic accounts are reviewed.
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