Approved in 7 Days
Approved in 7 Days
Your Own MIDs at Top Banks
Your Own MIDs at Top Banks
Zero Account Shutdowns
Zero Account Shutdowns
High-Risk Approved
High-Risk Approved
Your Payment Processor
Will Shut You Down.
It's Just A Matter Of When.
Your Payment Processor
Will Shut You Down. It's Just A Matter Of When.
Shopify Payments and Stripe are terminating accounts daily. Get your own merchant account at a real bank in 7 days—before you're next.
Shopify Payments and Stripe are terminating accounts daily. Get your own merchant account at a real bank in 7 days—before you're next.
✦. Direct bank relationships
✦. Not an aggregator
✦. Real merchant accounts
Why Shopify & Stripe Are
Shutting Down Accounts
Why Shopify & Stripe Are
Shutting Down Accounts
VAMP Enforcement:
VAMP Enforcement:
• October 2025: Visa started enforcing
• October 2025: Visa started enforcing
2.2% dispute thresholds
2.2% dispute thresholds
• April 2026: Drops to
• April 2026: Drops to
1.5% (mass terminations expected)
1.5% (mass terminations expected)
• Stripe/Shopify = aggregators. One bad merchant affects everyone.
• Stripe/Shopify = aggregators. One bad merchant affects everyone.
• Their solution?
• Their solution?
Cut merchants aggressively.
Cut merchants aggressively.
You're At Risk If You Have:
You're At Risk If You Have:
•
Subscriptions
Subscriptions
or high chargebacks
or high chargebacks
•
$100K+
$100K+
/month volume
/month volume
•
International
International
sales
sales
• Supplements, CBD, digital products, or
• Supplements, CBD, digital products, or
high-ticket items
high-ticket items
What Actually Happens
What Actually Happens
Account terminated overnight (no warning)
Account terminated overnight (no warning)
Funds frozen 90-180+ days
Funds frozen 90-180+ days
Many never get full refunds (30-50% kept permanently)
Many never get full refunds (30-50% kept permanently)
Termination on record = can't get approved elsewhere
Termination on record = can't get approved elsewhere
Real Example
Real Example
Merchant had $240K frozen. Got $180K back after 6 months. Shopify kept $60K. Legal fees: $35K. Total loss: $95K.
Merchant had $240K frozen. Got $180K back after 6 months. Shopify kept $60K. Legal fees: $35K. Total loss: $95K.
THE SOLUTION
Real Merchant Accounts.
Not Shared Risk Pools.
Real Merchant Accounts.
Not Shared Risk Pools.
Your Own
MIDs at Real Banks
Your Own MIDs at Real Banks
Approved in 7 Days
Approved in 7 Days
We Approve What Stripe Won’t
We Approve What Stripe Won’t
24/7 Support From Real Humans
24/7 Support From Real Humans
You Need Apptics If You're:
You Need Apptics If You're:
Living In Fear of Shutdown
Living In Fear of Shutdown
Currently using Shopify Payments or Stripe
Processing $50K+/month and nervous
Had disputes spike and worried about termination
Want to sleep at night knowing your money is safe
Running Subscriptions or Recurring Revenue
Running Subscriptions or Recurring Revenue
SaaS, memberships, subscription boxes
Higher natural chargeback rates
Need smart payment retry logic
Can't afford random account holds
High-Volume or Fast-Growing
High-Volume or Fast-Growing
Processing $100K+/month
Scaling aggressively
Need enterprise-level stability
One shutdown would destroy your business
Already Been Terminated
Already Been Terminated
Account shut down by Stripe/Shopify
Funds frozen for 90+ days
Can't get approved anywhere else
Need processing NOW, not in 6 months
In a "High-Risk" Industry
In a "High-Risk" Industry
In a "High-Risk" Industry
Supplements, CBD, nutraceuticals
Digital products or courses or Adult products or dating
High-ticket items ($500+)
Anything Stripe considers risky
Not Right For:
Not Right For:
• Selling illegal products
• Selling illegal products
• Obvious fraud operations
• Obvious fraud operations
• Processing under $20K/month (Stripe/Shopify is fine for you)
• Processing under $20K/month (Stripe/Shopify is fine for you)
• Not willing to provide business documentation
• Not willing to provide business documentation
Features / Benefits
Features / Benefits
Account Type
Account Type
Shutdowns
Shutdowns
Frozen Funds
Frozen Funds
VAMP Risk
VAMP Risk
High-Risk
High-Risk
Support
Support
Stripe/Shopify
Stripe/Shopify
Aggregated (shared risk)
Aggregated (shared risk)
Common
Common
90-180+ days
90-180+ days
Extreme
Extreme
Declined
Declined
Tickets (24-48hrs)
Tickets (24-48hrs)
Apptics
Apptics
Your Own MID ✓
Your Own MID ✓
Never ✓
Never ✓
Never ✓
Never ✓
Protected ✓
Protected ✓
Approved ✓
Approved ✓
Human (<2hrs) ✓
Human (<2hrs) ✓
⚠️
You Have Two Choices
You Have Two Choices
⚠️
Once you're terminated, getting approved elsewhere is 10x harder. A shutdown is a permanent mark.
Switch now while you still have options.
Once you're terminated, getting approved elsewhere is 10x harder. A shutdown is a permanent mark.
Switch now while you still have options.
The
Red
Pill
The
Red
Pill
Stay With Stripe/Shopify:
Stay With Stripe/Shopify:
• 30% shutdown risk in next 12 months
• 30% shutdown risk in next 12 months
• Average frozen: $50K-$200K for 90-180+ days
• Average frozen: $50K-$200K for 90-180+ days
• Termination = nearly impossible to get approved elsewhere
• Termination = nearly impossible to get approved elsewhere
The
Blue
Pill
The
Blue
Pill
Switch to Apptics Now:
Switch to Apptics Now:
• 7 days to approval
• 7 days to approval
• Your own bank relationship
• Your own bank relationship
• Never worry about shutdowns again
• Never worry about shutdowns again
Quick FAQ
Quick FAQ
Once you're terminated, getting approved elsewhere is 10x harder. A shutdown is a permanent mark.
Switch now while you still have options.
Once you're terminated, getting approved elsewhere is 10x harder. A shutdown is a permanent mark.
Switch now while you still have options.
What are the fees?
What are the fees?
What are the fees?
Will I have a rolling reserve?
Will I have a rolling reserve?
Will I have a rolling reserve?
I was declined by Stripe. Can you help?
I was declined by Stripe. Can you help?
I was declined by Stripe. Can you help?
My funds are currently frozen. Can I still apply?
My funds are currently frozen. Can I still apply?
My funds are currently frozen. Can I still apply?
Can I keep Stripe as backup?
Can I keep Stripe as backup?
Can I keep Stripe as backup?
Get Approved Before VAMP Thresholds Drop in April 2026
7 days to approval. Your own MIDs. Zero shutdowns. Real banks.
Get Approved Before VAMP Thresholds Drop in April 2026
7 days to approval. Your own MIDs. Zero shutdowns. Real banks.
Get Approved Before VAMP Thresholds Drop in April 2026
7 days to approval. Your own MIDs. Zero shutdowns. Real banks.
✦. Direct bank relationships
✦. Direct bank relationships
✦. Direct bank relationships