FOR ESTABLISHED BUSINESSES & PAYMENTS TEAMS

Payment processing for businesses processing $500K+ a month.

Switching processors or adding capacity? Cybin helps you compare pricing, reserve terms, and compatibility with your current setup.

Review My Processing Options Or call (412) 218-3006

Business applications only

Not for cardholder disputes, product orders, personal payment accounts, or customer support.

Free business review · no documents required to start · timing depends on the processor's underwriting

Why high-volume merchants choose Cybin

Direct MID options

Explore a merchant ID issued to your business, subject to acquiring-bank approval.

A fit for your current setup

Check whether a prospective processor works with your gateway and current setup.

Clear pricing and reserve terms

Compare rates, fees, funding schedules, and reserve requirements using your processing history.

Capacity for your next stage

Review processing limits and additional or replacement accounts against the volume you need to move.

What happens next

Tell us about your business

Share your current processing volume, provider, and what you need to change.

We build your processor shortlist

We review your business and processing history to identify suitable providers.

Compare options and move forward

Compare pricing, reserves, limits, gateway compatibility, and contract conditions before deciding.

Review My Processing Options

Since 2018

In business

Cybin review fee

Processor-led

Underwriting decision

In writing

Rates, fees, reserves & terms

Cybin Enterprises is a sub-ISO and merchant-services consultancy. Cybin does not charge merchants for the consultation, application intake, or processor matching.

Working with Cybin

Compare options with support from Cybin

Understand the account terms

Know what you will pay and which conditions apply before choosing a processor.

Pricing matched to your business: Review the written total costSee the complete processor terms before you decide.
Clear cost comparison: Compare disclosed rates and fees across the processor options identified for your business.
What shapes your options: Your industry, volume, geography, processing history, and business model.
What we compare in writing: Rates, fees, contract term, and cancellation costs. Review reserve amounts and release conditions separately because they affect available cash.

How long does processor review take?

Timing depends on the processor or acquiring bank, your documents, products, website, processing history, and follow-up questions. Cybin keeps you updated, but does not promise an approval date.

Why Cybin Enterprises?

Our US-based team helps you prepare the required documents and compare specialist processors.

Processor matching based on your business and payment needs
A clear written comparison of rates, fees, and account terms
No Cybin fee for consultation, intake, or processor matching
A Pittsburgh-based company with named founders and US-based support

Cybin is paid by processor partners when an introduction results in successful onboarding. You pay no Cybin consultation or matching fee and decide whether to accept the processor's disclosed terms.

Founded in 2018

Mel Kotchey

Co-Founder & CEO

Shane Suehr

Co-Founder & COO

About Cybin Verify on LinkedIn

Cybin's proof standard is simple: company facts and customer or partner claims are published only when they can be substantiated and used with permission.

Questions, answered

Is this review right for my business?

This review is designed for established businesses already processing $500K or more per month, including businesses processing $1M+. Use your average actual processing volume over the last three months, not projected sales. Tell us how much volume you want to move and whether you need a replacement or an additional processor.

Can I keep my current processor while I compare options?

You can request a review while your current account is in place. Cybin helps you compare the available options and understand setup requirements before you decide. Any additional account, routing arrangement, or transition depends on provider approval, your agreements, and technical compatibility.

What's a “direct MID,” and why does it matter at scale?

A direct MID is a merchant ID issued to your business by an acquiring bank after underwriting, rather than an aggregated sub-account. It can provide clearer ownership and terms, but it remains subject to the processor’s risk monitoring, agreement, and reserve policies.

Can you actually lower my reserve?

We can present your processing history and chargeback performance and request reserve terms that reflect the file. The acquiring bank decides whether a reserve is required, the percentage, duration, release terms, and any later changes.

How does multi-acquirer redundancy work?

Where multiple acquiring relationships separately approve the merchant and the gateway supports compliant routing, volume can be distributed across more than one path. Availability depends on underwriting, contracts, card-network rules, and technical compatibility.

What does Cybin charge, and what processing rates should I expect?

Cybin does not charge you for the consultation, application intake, or processor matching. Cybin's business review is free. Processor pricing is confirmed in the written terms. We help compare the effective rate, per-transaction fees, monthly and gateway fees, chargeback fees, reserve, contract term, and cancellation costs. Reserves affect available cash and are reviewed separately from fees.

How long does underwriting take?

Timing depends on the processor or acquiring bank, your documents, products, website, processing history, and follow-up questions. Cybin keeps you updated, but does not promise an approval date.

Can multiple accounts eliminate processor risk?

A suitable payment setup can improve continuity. We can assess direct merchant accounts and additional processors that may accept your business. Each provider must approve the account; no setup removes all processor risk.

Find the right fit for your next processor.

Tell us what needs to change. We’ll review your business and help you compare the available options.

Review My Processing Options Or call (412) 218-3006