Confirm what happened
Ask why the account closed, whether funds are held, and what controls their release. Hold periods depend on your agreement and circumstances; there is no single timetable for every closure.
Save processing statements, order records, tracking and customer communications. For disputed closures or material held funds, get qualified advice on your agreement and options.
Ask about any MATCH listing
Not every closure leads to a MATCH listing. Ask the terminating acquirer whether a listing was made and request its reason. The reporting acquirer is the starting point for questions about an inaccurate record.
Review the issue before another application
| Issue | Next step |
|---|---|
| Provider does not accept the category | Seek a provider that reviews and accepts the exact business |
| Application does not match the website | Correct inaccurate information and disclose the actual products |
| Customer disputes | Review billing descriptors, shipping, support and refund handling |
| Volume outside approved limits | Discuss realistic volume and order values with the next provider |
Interim payments
Ask your bank which alternatives it supports for your business. ACH, wire and other methods still have terms and eligibility requirements. Communicate checkout changes clearly to buyers.