Frequently Asked Questions

A high-risk merchant account is a payment processing account designed for businesses that payment processors consider to carry elevated financial or regulatory risk. This can be due to industry type, chargeback history, business model, or geographic location.

Yes. Specialized high-risk payment processors like Cybin Enterprises work with businesses that traditional banks and processors decline.

Approval timelines vary based on complexity. Standard high-risk approvals can take 3 to 10 business days. MATCH list merchants or businesses with complex histories may take longer.

Common high-risk industries include CBD and cannabinoids, nutraceuticals and supplements, research peptides, telemedicine, online gaming, forex and cryptocurrency, adult entertainment, firearms, tobacco and vape, travel and booking, debt collection, and subscription commerce.

The MATCH (Member Alert to Control High-Risk Merchants) list is a database maintained by Mastercard that payment processors use to flag merchants whose accounts were previously terminated for fraud, excessive chargebacks, or violations of card network rules.

Yes. Cybin Enterprises specializes in working with MATCH list merchants. While domestic options are limited, international acquiring banks often accept MATCH list merchants with the right documentation.

Cybin Enterprises helps high-risk and difficult-to-place businesses access stable payment processing solutions. Services include domestic and international merchant account placement, MATCH list merchant support, chargeback prevention, and ongoing account stability guidance.

Cybin Enterprises was co-founded by Mel Kotchey (CEO) and Shane Suehr (COO). Mel brings 28 years in medical and regulated industries. Shane specializes in logistics, cybersecurity, and health-technology systems.

Yes. Cybin Enterprises has relationships with international acquiring banks that accept merchants declined by U.S. processors, including MATCH list merchants and businesses in heavily regulated industries.

Yes. Cybin Enterprises works with merchants across all legal industries, including those typically categorized as high-risk or difficult to place.

Yes. Subscription and recurring billing for high-risk industries is a core service. We help structure recurring billing models that card networks and processors accept.

A chargeback is a forced reversal of a payment transaction initiated by a cardholder bank. The funds are pulled back from the merchant while the dispute is investigated. Excessive chargebacks can cause a merchant account to be terminated.

Chargeback ratio is the percentage of transactions that result in chargebacks. Visa standard threshold is 0.9% and Mastercard threshold is 1.0%. Exceeding these thresholds can result in account termination or fines.

Friendly fraud occurs when a customer makes a legitimate purchase but then disputes the charge with their bank, claiming they did not authorize it or did not receive the product.

Ethoca is a Mastercard-owned dispute resolution network that provides near real-time alerts to merchants when a cardholder contacts their bank about a transaction. Merchants can issue a refund before a formal chargeback is filed.

Verifi is a Visa-owned dispute resolution platform that connects directly to the Visa network. It provides instant dispute alerts for Visa transactions, allowing merchants to resolve issues before they escalate to chargebacks.

A reserve account is a portion of a merchant processing volume held by the processor as a security deposit against potential chargebacks or fraud losses. Reserves typically range from 5% to 15% of monthly volume, held for 90-180 days.

PCI DSS (Payment Card Industry Data Security Standard) is a set of security standards that all businesses processing card payments must follow to protect cardholder data. Compliance is required by card networks.

A billing descriptor is the text that appears on a cardholder bank statement identifying the merchant. Clear, recognizable descriptors reduce friendly fraud by helping customers identify charges they made.