greenlit

High-risk merchant account

High-risk e-commerce & subscription merchant accounts

Your store is finally taking off — and that’s the moment Stripe emails you about a "review" and holds your payouts. Fast growth and subscriptions are the two things that make aggregators freeze an e-commerce account.

  • Aggregators freeze fast-growing or subscription revenue without warning.
  • Recurring billing raises chargeback and refund exposure.
  • Scaling stores need real merchant accounts, not shared MIDs.
✓ 24-hour approvals✓ Keep your bank✓ No shutdowns

Get approved for E-commerce & subs

Tell us about your business — pre-qualify in minutes.

Secure · No impact to your credit

50+ industries approved
24–72 hour approvals
No sudden shutdowns
Keep your gateway
E-commerce & subs

The problem

Why E-commerce & subs keeps getting shut off

Shared aggregator MIDs were never built to scale with you. A dedicated high-risk merchant account, underwritten for your volume and your subscription model, keeps the money flowing when you need it most.

Greenlit places you with a bank that approves E-commerce & subs on purpose — and keeps you there.

What you get

Built to keep you processing

24-hour approvals

Bank-driven underwriting, not instant-freeze aggregators.

Chargeback defense

Visa & Mastercard alerts with automated dispute responses.

Multi-MID balancing

Spread volume across banks so caps never freeze you.

Keep your gateway

NMI, Authorize.net and 200+ integrations supported.

24–72htypical approval time
2.5–6.5%typical processing rate
5–20%rolling reserve range
~1%dispute ratio threshold

Typical industry ranges. Your exact terms depend on the acquiring bank and your business profile.

Answers

E-commerce & subs payment questions

Why does Stripe keep freezing my store?+

Aggregators freeze accounts on volume spikes and subscription risk. A dedicated merchant account underwritten for your model prevents that.

Do you integrate with my cart?+

Yes — 125+ shopping-cart and gateway integrations are supported.