Stripe shut you down? You're not the first.
Some business models need more category-specific review than broad self-service platforms provide. Cybin compares specialist processor options and their written pricing, reserve, funding, contract, and integration terms. The processor or acquiring bank makes the final approval and pricing decision.
Why Stripe drops high-risk merchants
A Stripe review can be triggered by category, disputes, transaction patterns, documentation, policy changes, or its banking partners' risk appetite. The account-specific notice and agreement matter more than any universal explanation.
Category compliance sweeps
Platform and banking-partner policies can change. Some categories receive additional review, but the result and notice depend on the account.
Dispute or transaction-pattern changes
Elevated disputes, refunds, ticket-size changes, or unusual velocity can trigger review. Thresholds and resulting actions depend on the account and provider.
Banking-relationship pressure
Acquiring partners influence which business models a platform can support. A change in appetite may affect an account even when the merchant's operations have not changed.
Fund holds or reserves
A provider may retain funds under the applicable agreement to cover expected disputes or refunds. The amount and duration vary by account and notice.
How the switch works
Start the processor review while you document the existing account issue. Underwriting timing begins with a complete file, and cutover timing depends on the processor, gateway, platform, and testing required.
- 1
Free processor-fit review
Start with the short application. Processing statements are optional at intake and can help compare effective cost or history if a processor later requests them.
- 2
Complete application and processor review
We confirm the category, volume, history, geography, and requested documents before identifying likely-fit options. The processor makes the decision and may request more information.
- 3
Plan and test the cutover
After approval, confirm the gateway, checkout, token portability, recurring billing, and settlement workflow. Integration effort varies, so test before moving live traffic.
- 4
Multi-processor architecture (optional)
A second approved provider or complementary rail can reduce reliance on one account. It does not eliminate holds or interruptions, and each account must process only the business approved for it.
Compare the whole offer
Review the written total cost before switching
A headline rate is only one part of the decision. Compare each processor's written offer against the same operating requirements.
Processing charges
Rate structure, transaction fees, monthly charges, gateway costs, and any category-specific fees.
Reserves and holds
Reserve percentage, duration, release conditions, and circumstances that may change the requirement.
Funding and contract
Settlement timing, contract length, renewal language, cancellation terms, and early-termination costs.
Integration and support
Gateway compatibility, token portability, recurring billing, reporting, escalation paths, and cutover work.
Free to merchants
Consultation, application review, and processor matching are free. We are compensated by processors when accounts onboard — never by you.
Category-aware review
We compare the business model, volume, history, geography, and payment needs against current processor policies.
Honest read on your file
We explain likely fit, important gaps, and the written cost and reserve terms to compare before you choose.
Common questions
Why does Stripe close high-risk merchant accounts?
Stripe's risk rules, banking relationships, account history, and the merchant's category can all affect an account review or closure. The notice and applicable agreement control any reserve or hold. Review the account-specific reason rather than assuming every closure follows the same pattern.
How is Cybin Enterprises different from Stripe?
Cybin is not a payment processor. We review the business and compare specialist processor options whose current policies may fit the category, volume, geography, and history. The processor or acquiring bank makes the underwriting decision and provides the final written terms.
What costs should I compare before switching from Stripe?
Compare the processor's written rate and transaction fees together with monthly charges, reserves or holds, funding timing, contract length, cancellation terms, gateway costs, and integration work. Cybin does not set or add the processor's rate; actual terms depend on underwriting.
How long does it take to switch from Stripe?
Timing depends on when the application is complete, the processor's review, requests for additional information, and the integration being used. The processor or acquiring bank controls the final decision and timing, so Cybin does not promise a fixed approval or cutover date.
What does Cybin charge?
Nothing to the merchant. Consultation, application review, and processor matching are free. Cybin is compensated by the payment processors in our network when a merchant successfully onboards — never by the merchant.
Ready to switch?
Start with the short application; no statements or other documents are required at intake. We'll confirm the business details, explain the next information needed, and compare written processor terms when options are available.