A periodic review is a standard risk management process to make sure we, as your merchant account provider, have an accurate assessment of your current and future processing needs. At your initial onboarding, we ask you to fully explain your business model, billing practices, and expected volumes. In an effort to stay involved in your growth, we conduct periodic underwriting reviews to ensure we have the most up-to-date information in our system.

Why periodic reviews are necessary

Merchant account providers are financially liable for all merchant losses. Our periodic reviews ensure that we understand your business and avoid surprises that might otherwise result in holding funds, requiring a reserve, or terminating the processing relationship.

What to expect

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As long as you provide the requested documentation within the time specified, you will not experience any issues with processing or funding delays during your periodic review.

Reviews are conducted quarterly, semi-annually, or annually, based on the risk profile of your business. Our Accounts team will contact you and request the information needed to help us fully understand the financial health of your business. This includes, but is not limited to:

  • Recent financial statements
  • Business model confirmation
  • Growth expectations for the coming year

We won't publish any documents that we request for reviews – we abide by our strict privacy policies while handling your financial information.

Providing documentation

You can provide the requested documentation by attaching it in your reply to our Accounts team, or by uploading it securely in the Control Panel.

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We ask that you provide the documents within 2 weeks to ensure that your account will not experience any delays during the review. If you are unable to fulfill our request, please let us know as soon as possible. If significant time has passed since initiating the review and we haven’t heard from you, we may put a funding hold on your account until the review is complete.

If your business is unable to provide the exact requested documents, our Accounts team can work with you to determine if alternative documents provide enough information to complete the review.

Still have questions?

If you can’t find an answer, contact our Support team.


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