Merchant Accounts Closed by Stripe or PayPal?
Specialist Payment Solutions for Businesses That Have Been Declined or Restricted
PCI
DSS Level 1
Service Provider
<
98
%
Customer Satisfaction
58
Countries
Global Payments
3
Mins
Average Answer Time
CardPayGo helps businesses replace closed Stripe or PayPal accounts with secure, scalable merchant accounts backed by specialist underwriting and trusted acquiring partners.
PCI DSS Compliant Infrastructure
Protect customer data and process payments securely with a fully PCI DSS compliant gateway and advanced security controls.
Why Do Stripe and PayPal Close Merchant Accounts?
- Operating in a high-risk industry
- Increased chargeback or dispute rates
- Sudden spikes in transaction volume
- Large average order values
- International or cross-border sales
- Products with strict compliance requirements
Payment providers such as Stripe and PayPal use automated risk monitoring systems to protect their platforms from fraud, financial losses and regulatory risk. While these systems are effective, they can also result in legitimate businesses being restricted without warning.
A Stable Payment Solution for Growing Businesses
Has your Stripe or PayPal account been suspended, restricted or permanently closed? You’re not alone. Thousands of legitimate businesses experience payment account closures every year due to automated risk assessments, changing underwriting policies or operating in industries considered high risk. CardPayGo helps businesses secure reliable, long-term payment processing through specialist acquiring partners that understand complex business models and assess applications on their individual merits.
Rejected by Stripe or PayPal?
We help legitimate businesses secure alternative merchant accounts through specialist acquiring partners experienced in supporting higher-risk and complex business models.
Fast Migration Support
Move from Stripe or PayPal with expert onboarding, helping minimise disruption and restore your ability to accept customer payments.
Human-Led Application Reviews
Your business is assessed by experienced payment specialists—not just automated systems—providing a fairer review of your application.
Built for Long-Term Growth
Our scalable payment solutions support growing businesses with secure processing, multi-currency acceptance and dedicated account management.
How CardPayGo Can Help
Unlike payment facilitators that rely heavily on automated underwriting, CardPayGo works with specialist acquiring banks that understand high-risk and specialist industries.
Our onboarding process includes experienced payment professionals who review each application individually, taking time to understand your business model, compliance procedures, transaction profile and long-term objectives.
This human-led approach allows legitimate businesses to access payment solutions that may not be available through mainstream providers.
Losing access to Stripe or PayPal can disrupt cash flow, customer experience and business growth. CardPayGo helps merchants move to a more stable payment solution designed around their business rather than a one-size-fits-all platform.
Whether you’ve been declined, restricted, placed under review or had funds held, our team will assess your requirements and introduce you to acquiring partners with experience supporting your industry.
Scalable Payment Integrations for Shopify, WooCommerce, and Beyond
Our payment gateway offers seamless plug-and-play integrations with leading eCommerce platforms, enabling businesses to start accepting payments quickly and efficiently. Whether you operate a store on Shopify, WooCommerce, or other popular shopping cart systems, our ready-made integrations eliminate the need for complex development work and lengthy implementation processes.
Why was my Stripe or PayPal account closed?
Accounts can be closed for many reasons, including operating in a high-risk industry, increased chargebacks, unusual transaction activity, policy changes or compliance concerns.
Can CardPayGo help if my account has been permanently closed?
Yes. We specialise in helping businesses secure alternative merchant accounts through trusted acquiring partners that assess applications individually.
Do you work with high-risk businesses?
Yes. We support a wide range of high-risk and specialist industries, including travel, CBD, adult, gaming, financial services and subscription businesses.
Will I need to change my website?
In most cases, only your payment gateway integration changes. Our team can guide you through the migration process.
How long does onboarding take?
Approval times vary depending on your business type and documentation, but our streamlined onboarding process is designed to minimise delays.
Do you provide fraud prevention tools?
Yes. Our payment gateway includes advanced fraud prevention, transaction monitoring and chargeback management features.
What documents will I need?
Requirements typically include company registration details, proof of identity, processing history, financial information and any relevant licences or compliance documentation.
Are there setup fees or hidden charges?
CardPayGo promotes transparent pricing with low transaction fees starting from 1.45% per transaction and no hidden charges.
Can startups apply?
Yes. We work with both new and established businesses, provided they meet the acquiring partner’s underwriting requirements.
Why choose CardPayGo instead of another provider?
CardPayGo combines specialist high-risk expertise, human-led underwriting and access to trusted acquiring partners to help businesses secure reliable, long-term payment processing.
What makes CardPayGo different from other providers?
We specialise in high-risk industries and provide human-led underwriting, higher approval rates, and tailored payment solutions
Can CardPayGo help reduce chargebacks?
Yes, we provide fraud screening tools, risk monitoring, and expert support to help merchants minimise chargeback risk.
How do I get started with CardPayGo?
You can apply online by submitting your business details through the enquiry form. After review and approval, your merchant account and payment gateway can typically be activated quickly.
What clients say about CardPayGO...
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Let's talk about your payment processing...
We’re happy to answer any questions you may have and help you determine which of our services best fit your needs.
Your benefits:
- Fast Onboarding
- 98% Approvals*
- Low Transaction Fees*
- Quick Set Up
- 24/7 Support
- Live Chat
What happens next?
1
Complete the merchant enquiry form here…
2
Receive a further details about our payment service
3
Complete a full application and go live in a few hours.
