RetryHub

Use when a merchant asks whether a high-risk merchant account review may fit their business. Inputs are the niche, monthly processing volume, country or entity, the current processor if any, and what happened (for example a shutdown, a limitation, a fund hold, or a new business). Returns a qualitative fit of likely good fit, needs review, or outside this app's scope, the documents people typically prepare, a qualitative timeline, and a link to the RetryHub application when the category is in scope. Does not approve an account, quote fees, or promise a timeline. Do not send card numbers, government IDs, or bank details.

Use when a merchant asks what to do after a Stripe, PayPal, or Shopify Payments shutdown, limitation, account review, or fund hold. Returns a practical checklist: what to save, how to answer the processor, how reserves and holds work in general, how to keep legitimate sales from stalling, and a backup-processor step that links to RetryHub when the situation is in scope. This is not legal advice and it does not predict when held funds will be released. Do not send card numbers, government IDs, or bank details.

Use when a merchant gives a monthly transaction count and dispute count, or pastes a short summary of those figures, and wants the dispute ratio. Computes disputes divided by transactions, explains how that simple ratio differs from Visa VAMP and Mastercard ECM, and summarizes publicly described monitoring thresholds with source links. Suggests ordinary operational fixes. Does not determine whether a card network has identified the business, and it is not legal or financial advice. Do not send card numbers or other account credentials.

Use when a merchant asks what documents to prepare before applying for a high-risk merchant account. Inputs are the business type, the country or entity, and the processing history (new business, processing now, recently shut down, or under a fund hold or limitation). Returns a document checklist tailored to those answers, a list of things never to paste into the chat, and a link to the RetryHub application. Describes documents by type only. Does not collect or review documents, approve an account, or quote fees. Do not send card numbers, government IDs, or bank details.

Use when a merchant is ready to apply with RetryHub and wants to carry what they already said in this chat into the application. Inputs are non-sensitive answers only: niche, monthly volume band, country or entity, current processor, and situation. Returns a short summary the merchant can paste into the application or the RetryHub Telegram bot, plus both links. Nothing is stored and the answers are not added to the links. Does not submit an application, approve an account, or quote fees. Do not send names, emails, card numbers, government IDs, or bank details.

Use when a merchant asks whether to stay with their current processor (such as Stripe, PayPal, Shopify Payments, or Square) or move to a high-risk merchant account. Inputs are the current processor, the niche, and the current situation. Returns a qualitative side-by-side on onboarding, category tolerance, account stability, reserves, paperwork, pricing approach, and disputes, with a plain-language reading of which path to look at first. Gives no fee numbers or approval odds and is not financial advice. Do not send card numbers, government IDs, or bank details.

Use when a merchant pastes the refund, cancellation, shipping, or terms text from their website and asks whether it is ready for a merchant account review. Inputs are the business type, the pasted policy text, and optionally whether they sell subscriptions, how they deliver (physical goods, digital or service, or both), and their card statement descriptor. Returns a found or missing result for the gaps reviewers commonly ask about (refund policy and window, how to cancel, renewal terms, delivery or access timing, contact method, descriptor) with a suggested fix for each. It is a keyword check, not a legal review, and it does not approve an account. The pasted text is not stored or repeated back. Do not include customer names, order details, card numbers, or bank details.

Send the merchant's application request to the RetryHub team so they can follow up. This is the only tool that sends data. Before calling it you MUST: (1) ask whether the merchant wants RetryHub to contact them about an application; (2) collect only name, business name, email, an optional Telegram handle, monthly card volume, the current processor, and what happened (shutdown, hold, or other); (3) show the merchant every value you will send, exactly as you will send it; (4) get an explicit yes in chat. Set consent and user_confirmed to true only after that yes; otherwise the server rejects the request. Never include SSNs or tax IDs, bank account, routing, or IBAN numbers, card numbers, passwords, or ID documents, and do not add other fields. If sending is not available, the result gives the application link and the Telegram bot instead.