PayPal is a payment facilitator — not a true merchant account. BoazPay gives high-risk businesses a dedicated merchant ID, stable processing, and a real banking partner who understands your industry.
Used by merchants previously limited by PayPal, Stripe, Square, and Shopify Payments.
PayPal's automated risk engine flags these triggers — often resulting in account limitations with funds held for 180 days:
| Feature | PayPal | BoazPay |
|---|---|---|
| High-risk industry support | ❌ Prohibited for most verticals | ✅ All 8 high-risk verticals |
| Approval model | Automated — algorithmic risk scoring | Manual underwriting by specialists |
| Fund hold policy | Up to 180-day holds, rolling reserves | T+2 to T+5 settlement |
| Chargeback tolerance | <1% or account suspension risk | Up to 3% with active tools |
| Merchant account type | Shared platform account, not a true merchant account | Dedicated merchant ID per business |
| Dedicated support | Generic support queue | Named account manager |
| Multi-currency payout | Yes, with conversion fees | Yes, competitive FX |
| Card-not-present acceptance | Limited for high-risk categories | Full CNP support globally |
"PayPal held $40,000 of our supplement revenue for 6 months. BoazPay approved us in 3 days and we haven't had a freeze since."
Linda M.
Operations Lead, SupplementHub Co.
"Switching from PayPal to a dedicated merchant account doubled our approval rate on international cards."
David K.
CEO, CoinFlow Exchange
"PayPal's 'payment facilitator' model was never suitable for our forex business. A real merchant account changed everything."
Anya P.
Director, FX Capital Partners
Also terminated by another provider?
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