BoazPay places merchants Stripe, Square, and PayPal decline or terminate — without the freezes, the rolling reserves, or the 90-day fund holds. Get approved in 48 hours with a banking partner that actually wants your business.
Trusted by merchants previously terminated by Stripe, Square, PayPal, and Shopify Payments.
Stripe's automated risk models flag these common triggers — often without warning:
Stripe typically holds your processing balance for 90 days minimum, sometimes 180. Your cash flow stops immediately.
Certain terminations result in placement on the Mastercard MATCH list, making it extremely difficult to open a new merchant account anywhere.
While your funds are frozen, customers can still file chargebacks — reducing the eventual payout or creating a net negative.
No payment processing means no sales. Every day you're down costs real revenue. The average merchant loses $5,000–$50,000+ during a freeze.
| Feature | Stripe | BoazPay |
|---|---|---|
| High-risk industries | ❌ Not supported | ✅ All 8 verticals |
| Approval model | Automated — no human review | Manual underwriting by specialists |
| Account stability | Freeze / terminate without notice | Dedicated underwriting + reserve management |
| Fund hold policy | Up to 180-day holds | Standard T+2 to T+5 settlement |
| Chargeback tolerance | <1% — instant termination | Up to 3% with active prevention tools |
| Support model | Email + help docs only | Dedicated account manager |
| Payout terms | 2-day standard (when not frozen) | T+2 to T+5 depending on risk tier |
| Contract length | Month-to-month (until terminated) | Month-to-month, no early termination fee |
Apply for your BoazPay merchant account before closing your Stripe account. Both can run simultaneously — you don't need to shut anything down to begin the process.
If you have stored customer card tokens, BoazPay works with your current vault provider to migrate tokens through PCI-compliant card data migration protocols. Customers never need to re-enter their cards.
Update your checkout integration to route to BoazPay. Your billing descriptor changes — we recommend notifying subscription customers in advance to prevent confusion chargebacks.
Once BoazPay is live and you've processed a clean cycle, close your Stripe account formally and confirm all outstanding funds have been released. Keep records of all Stripe dispute history for 24 months.
"Stripe froze $87,000 of my CBD business revenue with no warning. BoazPay had me approved and processing in 4 days. I wish I'd switched earlier."
Marcus T.
Director of Operations, PureLeaf CBD — Previously on Stripe
"After Shopify Payments terminated our nutra subscription brand, we lost two weeks of revenue. BoazPay's underwriters understood our model from day one."
Sarah C.
CEO, VitalEdge Nutrition — Previously on Stripe
"I didn't realize how much risk I had with Stripe until they shut me down. BoazPay is a real banking partner, not an automated algorithm."
Jordan R.
Head of Growth, ForexEdge Trading — Previously on Stripe
We specialize in industries Stripe doesn't support:
PCI DSS Level 1
Cardholder data security
256-bit SSL
End-to-end encryption
SOC 2 Type II
Independently audited
GDPR & CCPA
Privacy compliant
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