Marketing & business services
Business Opportunity merchant accounts, placed with banks that write the category.
Needs a bank that writes the category on purpose. Roughly 5–10 business days, a dedicated gateway, and usually a reserve.
The underwriting objection
Why banks flinch at this category.
Bizopp offers are sold on a future earnings outcome, at a high ticket, usually to someone who financed it on a credit card. When the outcome does not arrive, the customer disputes, and the FTC's Business Opportunity Rule sets specific disclosure requirements. Banks treat unsubstantiated earnings claims as the leading indicator of chargebacks.
Recommended setup
- Gateway
- High-risk gateway with installment billing and vault
- Settlement rail
- Card-not-present plus ACH for larger tickets
- Reserve expectation
- Rolling reserve expected on high-ticket files
- Equipment
- Hosted checkout plus virtual terminal for closed phone sales
What we actually do
How we get this file boarded and keep it boarded.
Specific to your category — not a generic high-risk brochure.
Marketing and earnings-claim review against disclosure rules before the file goes out
Deliverable and access logging so you can prove the buyer received what was sold
Milestone or installment billing instead of one large upfront charge, which lowers dispute severity
Refund policy written to be enforceable rather than aspirational
The process
Four steps, no mystery.
For business opportunity, the honest window is: 7–10 business days.
- 1
Call or send the form
Fifteen minutes. We confirm the category is one we can place and tell you which documents matter for your file specifically.
- 2
Document package
You gather statements, IDs and any category paperwork. This is the step that decides your timeline — a complete package moves fast.
- 3
Multi-bank submission
We submit to the banks that write your category, in the order most likely to approve on the best terms. Declines get diagnosed, not repeated.
- 4
Board and monitor
Gateway configured, equipment shipped or checkout integrated, chargeback alerts on. Then we watch your ratio and go back for better terms once history proves out.
Accounts placed through our processor and banking network
Free statement analysis
Get a business opportunity account underwritten properly.
One application, submitted to the banks that write your category. If your current account is frozen or at risk, tell us on the form and we will work speed first.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.
Straight answers
Business opportunity questions
7–10 business days
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