All terms
Approvals & Underwriting

Payment Aggregator

A provider that places many merchants under one shared master account for instant onboarding. Aggregators are convenient for low-risk businesses but freeze or drop high-risk merchants quickly, because one account's risk is pooled with everyone else's.

The instant sign-up that makes aggregators attractive is also their weakness for high-risk sellers: there is no dedicated underwriting, so the first sign of elevated risk often triggers an abrupt hold or termination.

A dedicated merchant account trades a slightly longer setup for durability designed around your specific business.

Related terms

Ready to get approved?

Tell us about your business. A high-risk specialist will map the fastest path to live payments.