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Stripe, Square and PayPal turn most MLMs away. Here's how an MLM merchant account works, what underwriters look for, and how to get your application ready.
Adaptiv Payments specializes in reliable merchant account solutions for businesses in high-risk industries. Our services help businesses overcome challenges with chargebacks, regulatory complexities, and industry-specific requirements.
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Learn moreStripe, Square and PayPal turn most MLMs away. Here's how an MLM merchant account works, what underwriters look for, and how to get your application ready.
Congress redefined hemp, and the change lands in two steps: November 12 and December 11, 2026. Here's what hemp and CBD sellers can still sell, which processors still take CBD, and what underwriters check to keep a hemp merchant account open.
Licensed TRT and hormone therapy clinics can get a stable merchant account in 2026. Here's what the DEA and FDA rules mean for payments, what underwriters check, and the marketing and billing mistakes that get clinics declined.
What LegitScript certification costs, how the process works, which ad platforms require it, and why banks ask telehealth and pharmacy merchants for it even where Visa and Mastercard don't.
Licensed telehealth and weight-loss clinics can keep a GLP-1 merchant account in 2026. Here's what the FDA changed, what underwriters check, and the marketing and billing mistakes that get clinics declined.
Square told sellers to pull CBD and hemp products by October 15, 2026. Here's what the federal hemp changes mean, what you can still sell, and how to move to a new processor without losing sales.
The FTC's click-to-cancel rule was struck down, but state and city auto-renewal laws keep coming, including New York City's rule on October 1, 2026. Here's what changed, what Visa and Mastercard require, and one checklist that covers them all.
This article explains how to start a travel agency from home, from a legal, financial, and business perspective, so you're prepared for the many challenges and opportunities you will face as you build your business.
When selling vitamins online, it's important to understand that every platform has its own restrictions and policies. Meta's commerce rules mean that ingestible health-related products can trigger moderation, account restriction, or listing removal. The rules are not precise, leading to potential misinterpretations even when following the guidelines.
Working with a specialized payment processor like Adaptiv Payments can both ensure compliance with product safety regulations and protect your cash flow through consistent processing.
The online supplement industry has become extremely lucrative as more people seek to develop healthy lifestyles on busy schedules. Selling supplements online requires developing the right market model, adhering to product-compliance guidelines, and choosing a payment platform that understands the market.
Embedded finance in the travel industry refers to financial services built into a website's structure, such as integrated checkouts and saved payment methods. These tools can also offer add-ons, like applying credits, purchasing insurance, or paying for additional experiences, without leaving the booking flow.
While selling vitamins or supplements online can be an accessible entrance to ecommerce, there is far more to the process than uploading a product photo and turning on checkout.
Yes, it is possible to sell supplements on Shopify. However, not all products will qualify for the platform. Your specific supplement products, health claims, and payment structure must meet Shopify's regulatory compliance rules.
Starting your own supplement business online requires more than picking products and developing a website. Early decisions about niche, sourcing, claims, billing, and fulfillment will determine if you have a clean launch or avoidable friction.
Chargeback statistics show that the travel industry maintains some of the highest chargeback rates across all sectors. Travel industry chargeback protection reduces these costly disputes, prevents illegitimate chargebacks, and ensures you recover lost revenue in a timely manner.
While there are fraudulent transactions in every industry, chargeback claims in the travel industry often come down to operational challenges and misunderstandings. Delayed fulfillment, especially if paired with weak booking validation and unclear policies, can cause confused customers who file disputes. Poor communication and slow refund handling can also cause chargeback disputes.
Payment processing for travel industry businesses is more complex than standard ecommerce because there are more moving parts that introduce risk at each step. High-value bookings are paired with long payment-to-fulfillment gaps, increasing the risk of chargebacks, payment declines, and fraud.
Travel agents do not simply accept a card and finish the transaction. Rather, they manage multiple customer payment methods, time deposits, and disperse funds to suppliers. Their role also involves balancing dispute risk with the needs of a delayed fulfillment service model.
Global chargeback volume is expected to rise by 24% from 2025 to 2028, making chargeback prevention solutions a key concern for any merchant.
Answers to the questions we hear most from merchants exploring high-risk payment processing.
Our dedicated team blends deep industry insight with clear, targeted messaging — turning complex topics like chargeback mitigation, compliance, and fraud safeguards into practical guidance for banks, processors, and merchants.
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