The short answer
Underwriting assesses the acquirer's exposure if you stop delivering goods or services and cardholders demand their money back. Key factors: industry, delivery timeframe, average and maximum ticket, chargeback history, owner credit and business longevity. Longer delivery times mean higher perceived risk.
Why deposits and pre-orders raise flags
Taking payment months before delivery — event tickets, custom furniture, travel — creates a large future liability. Expect reserves or delayed funding, and prepare for that conversation in advance.
How to present well
Provide clean statements, a clear refund policy, realistic volume projections and an explanation of your delivery cycle up front. Underwriters respond well to merchants who anticipate the question.
Key takeaways
- Risk is about future delivery obligations, not profitability
- Long delivery cycles attract reserves
- Volunteering context speeds approvals
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