Compare
Rekoup vs. a high-risk merchant account
| Feature | High-risk processor | Rekoup |
|---|---|---|
| Per-transaction cost | 4 to 8 percent plus per-item fees | $0 per transaction; flat monthly plan |
| Reserve | 5 to 10 percent held 180 days | None; the money is in your account |
| Freeze risk | Terminated without notice | No processor; your bank relationship is yours |
| Chargebacks | Yes, with fees and ratio monitoring | No card chargebacks on push rails |
| Setup | Weeks of underwriting | Same day |
| Customer experience | Card checkout | Bank transfer with instant confirmation on Zelle and USDC |
Per-transaction cost
High-risk processor4 to 8 percent plus per-item fees
Rekoup$0 per transaction; flat monthly plan
Reserve
High-risk processor5 to 10 percent held 180 days
RekoupNone; the money is in your account
Freeze risk
High-risk processorTerminated without notice
RekoupNo processor; your bank relationship is yours
Chargebacks
High-risk processorYes, with fees and ratio monitoring
RekoupNo card chargebacks on push rails
Setup
High-risk processorWeeks of underwriting
RekoupSame day
Customer experience
High-risk processorCard checkout
RekoupBank transfer with instant confirmation on Zelle and USDC
Many merchants keep both. A card option converts some customers; Rekoup converts the rest without the risk.
Stop checking your bank app.
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