Share your history
Tell us what happened and upload recent processing statements for an informed initial review.
Payment processing after termination
Stripe closed your account? Your business may still have processing options.
paycosmos works with businesses that require more hands-on underwriting than automated payment platforms provide.
Free review. No obligation.
Human-led review
Clear documentation
Compliance-focused
Review pathway
Beyond the algorithm
01
Business model
Products, delivery and policies
02
Processing history
Volume and transaction patterns
03
Risk profile
Disputes, compliance and controls
Important context
Before you apply
An account termination does not automatically mean paycosmos can
approve your business. Our underwriting team will review your
business model, transaction history, chargebacks, fulfillment and
compliance.
Experienced underwriting
A closer look at the whole business.
Automated platforms can make instant decisions with limited context. paycosmos takes a more considered approach for compliant businesses with complex processing needs.
Underwriting review
A specialist assesses your business model, volume, fulfillment, disputes and risk controls.
Understand your options
If there may be a fit, we outline next steps and the documentation required to move forward.
We do not “accept anything.”
Approval is subject to underwriting, sponsor bank requirements,
applicable laws, card brand rules and ongoing compliance.
Risk visibility
Chargeback health
Trend review
Spot issues earlier
Response
Build better evidence
Action plan
Controls documented
Chargeback management
Don’t just react to disputes. Learn from them.
A sustainable merchant account depends on managing disputes proactively. paycosmos helps merchants understand chargeback patterns and strengthen the operational controls that underwriters expect.
- Review chargeback trends and reason codes
- Identify fulfillment and billing friction
- Improve documentation and response workflows
- Monitor ratios against processor thresholds
Free processing review
Tell us what happened. We’ll look at what’s next.
Complete the form and include recent statements if available. A paycosmos specialist will review your information and contact you about potential next steps.
No cost to request a review
There is no fee and no obligation to submit.
Handled confidentially
Your documents are used only to evaluate your inquiry.
A real person responds
Qualified inquiries receive direct follow-up from our team.
A better-informed next step