PayPal is easy to start and easy to lose. If holds, reserves, or a sudden limitation put your cash flow at risk, it's time for an account that was built for your business.
PayPal pools merchants into one aggregated account. When its system sees risk - a spike, a dispute, a flagged category - it can place a hold, demand a reserve, or limit the account with little warning.
PayPal prohibits CBD outright and tightly restricts gambling and several other high-risk categories. For a regulated business, that's a structural mismatch, not a temporary setback.
Karma Card Payments gives you a dedicated merchant account underwritten for your industry - not a slice of a shared aggregator. You're placed with a banking partner who expects your profile, so cash flow stays predictable and the account stays open.
Your own merchant account underwritten for your industry - never a slice of a shared aggregator.
Placed with a bank that expects your volume, so settlement stays predictable instead of held.
Dedicated support who knows your business - not a self-serve ticket queue.
Businesses that need predictable settlement, not surprise reserves.
Aggregators hold funds to cover their own risk across a shared pool. A dedicated account underwritten for your business removes that trigger.
Many merchants do, for low-risk transactions - but route your core, high-risk volume through an account that won't freeze it.
High-risk rates run higher than aggregator headline pricing, and we'll tell you so plainly. We'll quote setup and rates against your real volume and category - no surprise reserves buried in the fine print.
Tell us about your business; we'll find the path.
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