If Stripe froze your funds or closed your account over your industry, you don't need a workaround. You need a processor built for it.
Stripe approves nearly everyone in minutes, then runs automated screening in the background. The moment it flags your category, the account is limited, frozen, or closed - and funds can be held up to 180 days.
Stripe's restricted list bans roughly two dozen categories. Most of those businesses are perfectly legal. They're blocked for Stripe's risk management, not yours.
Karma Card Payments underwrites your industry on purpose and places you with a banking partner who already expects your volume and your chargeback profile - with chargeback and fraud protection built in from day one.
A real human reviews your business and matches it to a bank that already expects your industry.
Reserve terms, if any, are disclosed up front - so there's no holdback you didn't agree to.
Chargeback and fraud tools are built in for your category, not bolted on after a problem.
Any legal business Stripe shut out - we underwrite the industries other processors won't touch.
Almost always because automated screening matched your business to a restricted category after you started processing. It's systematic, not personal - and it's exactly what a dedicated merchant account built for your industry prevents.
Most merchants get an underwriting answer in 24-48 hours.
You're placed with a bank that underwrote your business knowingly, so there's no surprise freeze. Reserve terms, if any, are disclosed up front.
Tell us about your business; we'll find the path.
Get Approved in 24-48 Hours