Workbook·1 min read·1 interactive tool

How to Choose a Merchant Account That Won't Freeze You (2026 SOP)

Stripe and PayPal freeze high-risk accounts constantly. This SOP walks you through assessing your risk profile, preparing your documentation, and migrating to a processor that fits — then routes you to the best option for YOUR situation.

Find your best fit

Interactive

Answer 3 quick questions and we'll point you to the processor that actually fits your situation — based on your risk profile, not on who pays us most.

How would a processor classify your business?

Have you been frozen or held by Stripe/PayPal before?

Monthly processing volume?