Marketing & business services
SEO & Digital Marketing Services 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.
Agencies bill retainers for outcomes they do not fully control, and when rankings or leads do not materialize the client disputes the last few months. The category also has a history of bad actors, so banks apply a category-wide discount to your credibility. Nothing personal — it shows up as an extra underwriting hurdle you have to clear with documentation.
Recommended setup
- Gateway
- Gateway with recurring billing, invoicing and L2/L3 support
- Settlement rail
- ACH primary for retainers, card secondary
- Reserve expectation
- Modest rolling reserve typical on new files
- Equipment
- Virtual terminal, hosted invoice page
What we actually do
How we get this file boarded and keep it boarded.
Specific to your category — not a generic high-risk brochure.
Reporting and deliverable archive tied to each billing period, which wins most representments
ACH retainer drafting to cut both processing cost and card-dispute exposure
Contract terms with notice periods and a cancellation process that matches your billing
L2/L3 data on business card payments so B2B interchange comes down
The process
Four steps, no mystery.
For seo & digital marketing, the honest window is: 5–10 business days with contracts, sample reports and history.
- 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 seo & digital marketing 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
SEO & digital marketing questions
5–10 business days with contracts, sample reports and history
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