Risk is a category, not a moral
Card brands and banks treat some businesses as higher loss: digital goods, subscriptions, CBD, nutra, travel, high-ticket coaching, firearms, vape. The customer pays now, the product may come later, or the refund rate is structurally higher. That is the risk.
Retail banks bounce the MCC
Square, Stripe, and a community bank will often approve you, then shut you off. That is not a mystery. They do not want the category. We place the file with a sponsor that already books it.
Pricing and reserves
High-risk costs more. Sometimes there is a rolling reserve. We explain both before you switch. A reserve that appears after month two is a different company than this one.
What to send
Processing history, chargeback ratio if you have it, website or offer, refund policy, and the statement. The faster that packet is complete, the faster underwriting moves.