Travel & future delivery
Moving Companies 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.
Movers take deposits weeks ahead, quote an estimate that changes on load day, and hand the customer an invoice larger than the number they remember agreeing to. That gap is the number-one source of disputes in the category, and long-haul interstate moves make it worse. Banks see deposit-plus-price-change and read future delivery with a built-in argument.
Recommended setup
- Gateway
- High-risk gateway with virtual terminal for deposits
- Settlement rail
- Card-not-present for deposits, card-present at delivery, ACH for commercial accounts
- Reserve expectation
- Modest rolling reserve typical on new files
- Equipment
- Mobile reader or handheld terminal for crews, virtual terminal in the office
What we actually do
How we get this file boarded and keep it boarded.
Specific to your category — not a generic high-risk brochure.
Signed estimate and change-order capture on a tablet, timestamped and attached to the transaction
Deposit and balance split so the future-delivery exposure stays small
Terminal or mobile reader on the truck so the balance is collected card-present at delivery
Dispute response templates built around weight tickets, inventory sheets and signatures
The process
Four steps, no mystery.
For moving companies, the honest window is: 5–10 business days depending on interstate authority and deposit size.
- 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 moving companies 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
Moving companies questions
5–10 business days depending on interstate authority and deposit size
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