The short answer
Seasonal merchants should eliminate every fixed monthly fee, avoid tiered pricing (which downgrades most during peak volume), confirm the account will not be closed for dormancy, and set underwriting limits based on peak month volume rather than the annual average.
The dormancy problem
Some providers close or restrict accounts after months of no processing. Confirm in writing that seasonal inactivity is acceptable before you sign, and again before your first off-season.
Underwrite for the peak
If your July does ten times your February, underwriting based on the average will trigger holds in July — exactly when cash flow matters most.
Key takeaways
- Remove all fixed monthly fees first
- Underwrite on peak volume, not average
- Get seasonal dormancy accepted in writing
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