To the financial system, yes. High-dollar digital transactions with subjective outcomes and no physical delivery carry elevated risk by definition. That is how the system categorizes you. The question is whether that risk is managed intelligently or left unaddressed. We do the work to align your business with what the bank needs to see so you are evaluated on your operation, not on a category label. That is the difference between being labeled high-risk and having your risk managed.
ScaleSafe has been documenting your client relationship from the first interaction. When a chargeback arrives, you pull a complete evidence package in minutes. Consent records, communication logs, delivery confirmations. Formatted for the specific card brand and reason code.
We maintain a direct relationship with your underwriting team. When something changes (a policy shift, a threshold approach, or an account review) we are talking to the bank on your behalf. That is what advocacy means in practice.
No. Nobody can. What we can guarantee is that your business will be properly aligned before you apply, that your defense documentation will be built into every transaction, and that when something comes up, you will have a team that understands the system and advocates for your account.
When a client hits a wave of chargebacks from a bad cohort or an account review is triggered, we do not freeze your account and send you a notification. We talk to the underwriting team directly. We present the context: what happened, why, and what is being done about it. We present the documentation ScaleSafe has captured. We make the case for your business with people we have an existing relationship with. That is the difference between having a support ticket and having representation.
A short voice intake, your documentation, and our system does the rest. You receive a complete packet with specific gaps, exposure points, and recommendations tailored to your business. Free, no commitment.
Three steps. Your Stability Plan and analysis. Alignment and application. You go live. The entire process takes a few business days. You keep your current processor running until your new account is live and tested. ScaleSafe can be added at any point if you want documentation and evidence infrastructure built into your operation.
Yes. There is no interruption to your business.
No. Your new merchant account deposits directly into your existing business bank account.
Our standard interchange-plus margin is 0.50% above interchange. We also offer flat rate and dual pricing options. ScaleSafe is $59/month with WholePay processing or $97/month standalone. Setup based on complexity. No annual fees. No monthly minimums. No early termination fees. No contracts. Your specific rate is disclosed before you go live.
No. Every fee is disclosed before you go live. You see exactly what Visa and Mastercard charge, and exactly what we charge on top. No bundled rates. No tiered qualifications. No surprise charges.
With interchange-plus, your estimated total rate runs 2.30% to 3.00% depending on card mix, compared to effective rates of 3.5% or higher through most aggregators. On $200K/month in volume, that difference typically runs $8,000 to $15,000 per year. Your Stability Plan includes a pricing analysis specific to your business.
No. No long-term contracts. No early termination fees. You stay because the relationship works.
No. You can run both in parallel. See our dedicated switching page for details on how migration works for different setups.
No. WholePay and ScaleSafe are separate decisions. You can use WholePay for processing without ScaleSafe. You can also use ScaleSafe standalone with your current processor at $97/month. With WholePay processing, ScaleSafe is $59/month.
Yes. ScaleSafe runs inside GHL and installs directly into your existing account. If you do not have GHL, a fully configured subaccount is included with your subscription.
ScaleSafe integrates with most other tools through our custom setup service.
Yes. If your business has multiple brands, offers, or entities, we structure separate merchant accounts for each.
Credit cards, debit cards, and ACH bank transfers. Visa, Mastercard, American Express, and Discover.
