{ "model": "grayson-1", "state": { "platform": "Our platform: a U.S. payment facilitator for small businesses. Merchants take cards through our online checkout, payment links and invoices, recurring billing and card readers. We board each one as a sub-merchant under our sponsor bank and carry any chargebacks, refunds or fees a merchant can't cover.", "policy_reference": { "standard_terms": "Payouts to the linked bank account 2 business days after capture; no reserve; monthly processing limit set at underwriting from processing statements, or $50,000 for a business without statements, reviewed after 90 days; keyed card entry up to $2,500 per transaction.", "conditions_available": "Rolling reserve of 5% to 25% held 90 to 180 days; lower monthly limit; payouts delayed up to 7 days; keyed entry off; removing a product or offer before go-live.", "prohibited": [ "Marijuana and THC products, including hemp-derived THC; kratom; drug paraphernalia", "Prescription drugs without a pharmacy license; products marketed with claims that they cure, treat or prevent a disease", "Weapons, ammunition and explosives", "Gambling, lotteries and sweepstakes with a purchase requirement", "Adult content and services", "Debt relief, credit repair and loan modification charged up front", "Gift cards, prepaid cards, money orders, cryptocurrency and other stored value", "Counterfeit or replica goods", "Taking payments for another business, or splitting one business's sales across several merchant accounts to keep each account's chargeback ratio down" ], "restricted_needs_underwriting_approval": [ "Dietary supplements and nutraceuticals (supplement facts and marketing claims reviewed)", "Subscriptions that start with a free or reduced-price trial (allowed only with clear disclosure at checkout, a reserve and chargeback monitoring)", "Pre-orders, or goods delivered more than 14 days after payment", "Consumer electronics with an average ticket over $300", "Event tickets and travel", "Any business with an average ticket over $5,000" ] }, "application": { "id": "mapp_2VN77C", "submitted_at": "2026-10-06T14:48:02Z", "products_requested": [ "Online checkout (plug-in for the store builder)", "Recurring billing" ], "business": { "legal_name": "Halvard Botanics LLC", "dba": "Halvard Botanics", "entity_type": "Limited liability company", "state_of_formation": "Florida", "date_formed": "2025-05-12", "ein": "xx-xxx9052", "business_address": "3350 Lakeland Commerce Pkwy, Unit 14, Lakeland, FL 33811", "business_phone": "(863) 555-0172", "business_email": "hello@halvardbotanics.example.com", "website": "https://halvardbotanics.example.com", "years_in_business": "1 to 2", "employees": "4" }, "description_in_applicants_words": "We sell our own dietary supplements for gut health, sleep and metabolic support, made for us by a contract manufacturer in Utah. Customers buy one-time or choose Subscribe & Save (15% off, delivered every 30 days, cancel anytime online). We ship from our Lakeland warehouse within 1 business day. No free trials.", "mcc": "5499 Miscellaneous food stores and specialty markets", "expected_monthly_volume_usd": 70000, "average_ticket_usd": 54, "highest_ticket_usd": 240, "sales_channels_pct": { "online_checkout": 100, "invoices_and_payment_links": 0, "in_person": 0 }, "keyed_entry_requested": "No", "fulfillment": "Ships within 1 business day", "refund_policy": "60-day money-back guarantee, opened bottles included", "recurring_billing": "Yes: Subscribe & Save, every 30 days, about 45% of orders", "free_or_discounted_trials": "No", "previous_processor": "Yes, since 2025-06. 'They told us on September 15 that they are leaving the supplement category and will close our account on October 15.'", "statements_provided": "6 months, April to September 2026, and the closure notice", "owners_other_businesses_taking_cards": "Ferrante Brands LLC (Solenne Labs), which processes with you", "payout_schedule_requested": "Standard", "owners": [ { "name": "Daniela R. Ferrante", "title": "Managing member", "ownership_pct": 100, "control_person": true, "date_of_birth": "1986-11-xx", "ssn": "xxx-xx-4418", "home_address": "7709 Bayshore Palms Dr, Tampa, FL 33615", "phone": "(863) 555-0172", "email": "daniela@halvardbotanics.example.com" } ], "payout_account": "Business checking x2087 at a national bank, linked by instant account verification", "applicant_notes": "We'd like to move all Halvard volume to you before October 15. Our chargebacks went up over the summer after we grew subscriptions. On August 20 we added a one-click cancel button to the account page and started emailing a reminder 3 days before each renewal, and September is already lower. Solenne Labs is our salon and spa line." }, "state_registry_record": { "source": "Florida Division of Corporations search, retrieved at submission", "entity_name": "HALVARD BOTANICS LLC", "document_number": "L25000221874", "entity_type": "Florida limited liability company", "status": "Active", "formed": "2025-05-12", "registered_agent": "Commercial registered agent service, Tallahassee, FL", "principal_address": "3350 Lakeland Commerce Pkwy, Unit 14, Lakeland, FL 33811 (changed from the owner's home address on 2025-09-03)", "authorized_persons": [ [ "MGR", "Ferrante, Daniela R.", "Tampa, FL" ] ], "filing_history": [ [ "2025-05-12", "Articles of Organization" ], [ "2025-09-03", "Amendment: principal address" ], [ "2026-03-02", "2026 annual report" ] ] }, "tin_match": { "check": "IRS TIN Matching, legal name and EIN", "result": "Code 7: name and EIN combination matches IRS EIN records" }, "business_records_check": { "found_in_sources": "3: state registry, commercial credit file, business phone and address directories", "first_seen_in_records": "2025-05", "commercial_credit_file": "Since 2025-08; 2 trade lines (contract manufacturer net-30, packaging supplier); one payment 31 to 60 days late in 2026-07, current since", "ucc_filings": "None", "liens_and_judgments": "None", "industry_from_records": "NAICS 456191 Food (health) supplement retailers", "business_address": { "type": "Commercial: unit in a multi-tenant light industrial park with a loading door", "usps": "Deliverable; business address", "businesses_registered_at_address": 1 }, "business_phone": { "line_type": "Fixed VoIP (business phone service)", "public_listing": "Listed to Halvard Botanics since 2025-07" }, "officers_from_records": "Daniela R. Ferrante (manager)" }, "owner_checks": [ { "name": "Daniela R. Ferrante", "identity_match": "Name, SSN and date of birth appear together in credit-header records since 2004", "ssn": "Valid; 1 name and 1 date of birth associated; no death record", "address_history": [ [ "Orlando, FL", "2008-09", "2015-03" ], [ "7709 Bayshore Palms Dr, Tampa, FL", "2015-04", "2026-09" ] ], "phone_on_application": "The business phone; listed to Halvard Botanics since 2025-07", "email_on_application": "At the business's domain; first seen 2025-05", "document_and_selfie_check": "Passed 2026-07-21 for Ferrante Brands LLC's application (Florida driver license; selfie match)", "ofac_and_pep": "No match", "adverse_media": "None found", "other_businesses_in_records": [ [ "Ferrante Brands LLC", "Florida, formed 2026-07-08, active", "Manager", "On our platform (see links)" ], [ "Corvane Nutrition LLC", "Florida, formed 2022-02-14", "Manager", "Administratively dissolved 2024-09-27 for not filing an annual report; no card network terminated-merchant listing" ] ], "credit_soft_pull": { "score": 701, "scale": "300-850", "derogatory": "None", "revolving_utilization_pct": 78, "inquiries_last_90_days": [ [ "2026-09-17", "Merchant services provider" ], [ "2026-09-24", "Merchant services provider" ] ] } } ], "watchlists": { "ofac_business": "No match", "card_network_terminated_merchant_list": "No match on Halvard Botanics, Ferrante Brands, Corvane Nutrition, the owner, address, phone or URLs", "internal_negative_list": "No match" }, "website_review": { "crawled_at": "2026-10-06T15:22:09Z", "domain": "halvardbotanics.example.com", "domain_registered": "2025-04-28, registrant Halvard Botanics LLC", "tls_certificate": "Domain-validated, issued 2026-04-28 (renewal)", "platform": "Hosted e-commerce store builder with a subscription app", "pages": { "columns": [ "path", "what it shows" ], "rows": [ [ "/", "Best sellers, 'Made in an FDA-registered facility, third-party tested', 60-day guarantee." ], [ "/about", "Owner's story and photos of the Lakeland warehouse and staff." ], [ "/products/*", "9 products; supplement facts panels; the standard dietary-supplement disclaimer under each claim." ], [ "/policies/subscriptions", "Subscribe & Save terms: every 30 days at 15% off; cancel anytime from the account page; reminder email 3 days before each renewal." ], [ "/account", "Cancel subscription button present (crawler reached it with a test account)." ], [ "/policies/refund", "60-day money-back guarantee; refunds within 5 business days." ], [ "/pages/try-glucobalance", "Not linked from any menu; found in the site's sitemap, last modified 2026-08-02. 'Try GlucoBalance FREE, just pay $5.95 shipping.' Below the button in small type: 'Your 14-day trial converts to the GlucoBalance monthly plan at $79.95 every 30 days unless cancelled.' Testimonial on the page: 'My A1C went from 7.9 to 6.4 in three months and my doctor took me off one of my medications. - Gloria, 67.'" ], [ "/pages/wholesale", "Wholesale inquiries for salons and spas, 'see our Solenne Labs line'." ] ] }, "products": { "columns": [ "product", "price_one_time_usd", "subscribe_and_save_usd", "subscribe_preselected", "claims_on_product_page" ], "rows": [ [ "GutRestore Daily Probiotic, 30 capsules", 44.95, 38.21, "Yes", "Supports digestive comfort and regularity*" ], [ "Deep Rest Magnesium + L-Theanine, 60 capsules", 39.95, 33.96, "Yes", "Supports relaxation and restful sleep*" ], [ "GlucoBalance Berberine Complex, 60 capsules", 59.95, 50.96, "Yes", "Supports healthy blood sugar levels already within the normal range*" ], [ "Metabolic Burn Thermogenic, 60 capsules", 54.95, 46.71, "No", "Supports metabolism and energy*" ], [ "Daily Greens Powder, 30 servings", 49.95, 42.46, "No", "Supports daily nutrition*" ], [ "Collagen Peptides, unflavored, 20 oz", 42.95, 36.51, "No", "Supports skin, hair and nails*" ], [ "Ashwagandha KSM Calm, 60 capsules", 32.95, 28.01, "No", "Helps the body manage occasional stress*" ], [ "Omega-3 Fish Oil 1200 mg, 90 softgels", 29.95, 25.46, "No", "Supports heart health*" ], [ "Sleep + Gut Bundle", 79.95, 67.96, "No", "Bundle of GutRestore and Deep Rest" ] ] }, "checkout": "Card checkout works with the current processor; Subscribe & Save preselected on 3 products, with the renewal terms beside the button", "content_reuse": "Product photos and text original; not found on other sites", "related_site": "solennelabs.example.com (Ferrante Brands LLC): 2 products, 'Solenne Labs Berberine Balance' and 'Solenne Labs Night Calm', with supplement facts panels identical to GlucoBalance and Deep Rest, at the same prices; sold one-time and by subscription; no trial pages found; wholesale price list for salons." }, "web_presence": { "map_listing": "Claimed 2025-09; 11 reviews, 4.6 stars (pickup and wholesale customers)", "marketplace_storefront": "Since 2025-08; 1,140 ratings, 4.3 stars", "review_sites": "47 reviews, 2.6 stars; 18 mention a subscription or trial charge they didn't expect", "complaints": "7 complaints with a business complaint bureau in 12 months, all about recurring charges; 6 answered with refunds and closed, 1 open", "social": "Business page since 2025-05; ad library shows 3 active GlucoBalance ads, running since 2026-07, two linking to the product page and one to /pages/try-glucobalance", "recent_reviews": { "columns": [ "date", "source", "stars", "text" ], "rows": [ [ "2026-09-29", "Review site", 1, "Ordered once, got charged again a month later. Took 3 emails to cancel." ], [ "2026-09-26", "Marketplace", 5, "GutRestore actually helps. Been on it 4 months." ], [ "2026-09-21", "Review site", 2, "The free trial was not free. $79.95 two weeks later." ], [ "2026-09-19", "Marketplace", 4, "Good magnesium, ships fast." ], [ "2026-09-12", "Review site", 5, "Customer service refunded me right away when I forgot to cancel." ], [ "2026-09-08", "Marketplace", 5, "Sleep is better. Will reorder." ], [ "2026-08-30", "Review site", 1, "Didn't realize the box was checked for subscribe. Charged 3 times." ], [ "2026-08-24", "Marketplace", 3, "Capsules are big. No change yet after a month." ], [ "2026-08-17", "Review site", 1, "Saw an ad about blood sugar, signed up for the trial, could not find how to cancel." ], [ "2026-08-11", "Marketplace", 5, "Great quality, third-party tested." ], [ "2026-07-30", "Review site", 4, "Products are fine, subscription is easy to manage once you find the account page." ], [ "2026-07-18", "Marketplace", 5, "Love the greens powder." ] ] } }, "processing_history": { "statements_provided": "6 monthly statements from the previous processor, April to September 2026", "merchant_name_on_statements": "HALVARD BOTANICS, LAKELAND FL; account open since 2025-06", "monthly": { "columns": [ "month", "sales_usd", "transactions", "average_ticket_usd", "recurring_pct", "refunds_usd", "chargebacks", "chargeback_ratio_pct_by_count" ], "rows": [ [ "2026-04", 24250.08, 439, 55.24, 21, 1440.26, 1, 0.23 ], [ "2026-05", 32012.63, 598, 53.53, 29, 2280.78, 2, 0.33 ], [ "2026-06", 42092.67, 765, 55.02, 36, 2682.55, 4, 0.52 ], [ "2026-07", 55897.09, 1029, 54.32, 41, 4691.5, 9, 0.87 ], [ "2026-08", 63725.27, 1184, 53.82, 44, 4968.12, 13, 1.1 ], [ "2026-09", 68278.16, 1267, 53.89, 45, 4633.94, 12, 0.95 ] ] }, "chargebacks_jul_to_sep": { "columns": [ "filed", "amount_usd", "product", "reason_code", "reason", "status" ], "rows": [ [ "2026-07-01", 33.96, "Deep Rest subscription", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-07-01", 38.21, "GutRestore subscription", "10.4", "Other fraud: card-absent environment", "Accepted (refunded)" ], [ "2026-07-03", 33.96, "Deep Rest subscription", "13.3", "Not as described or defective", "Accepted (refunded)" ], [ "2026-07-04", 50.96, "GlucoBalance subscription", "13.3", "Not as described or defective", "Lost" ], [ "2026-07-05", 101.92, "2-item subscription", "10.4", "Other fraud: card-absent environment", "Lost" ], [ "2026-07-07", 50.96, "GlucoBalance subscription", "4853", "Cardholder dispute", "Lost" ], [ "2026-07-07", 101.92, "2-item subscription", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-07-08", 101.92, "2-item subscription", "10.4", "Other fraud: card-absent environment", "Lost" ], [ "2026-07-10", 44.95, "GutRestore one-time", "10.4", "Other fraud: card-absent environment", "Won" ], [ "2026-07-11", 38.21, "GutRestore subscription", "13.2", "Cancelled recurring transaction", "Accepted (refunded)" ], [ "2026-07-12", 33.96, "Deep Rest subscription", "13.3", "Not as described or defective", "Won" ], [ "2026-07-15", 50.96, "GlucoBalance subscription", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-07-16", 33.96, "Deep Rest subscription", "13.3", "Not as described or defective", "Lost" ], [ "2026-07-16", 50.96, "GlucoBalance subscription", "13.6", "Credit not processed", "Accepted (refunded)" ], [ "2026-07-19", 38.21, "GutRestore subscription", "13.2", "Cancelled recurring transaction", "Won" ], [ "2026-07-19", 101.92, "2-item subscription", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-07-20", 33.96, "Deep Rest subscription", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-07-20", 44.95, "GutRestore one-time", "13.2", "Cancelled recurring transaction", "Won" ], [ "2026-07-24", 79.95, "GlucoBalance monthly plan", "4853", "Cardholder dispute", "Won" ], [ "2026-07-25", 79.95, "GlucoBalance monthly plan", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-07-26", 50.96, "GlucoBalance subscription", "13.2", "Cancelled recurring transaction", "Won" ], [ "2026-07-28", 59.95, "GlucoBalance one-time", "13.6", "Credit not processed", "Lost" ], [ "2026-07-29", 44.95, "GutRestore one-time", "13.3", "Not as described or defective", "Lost" ], [ "2026-07-29", 79.95, "GlucoBalance monthly plan", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-08-03", 79.95, "GlucoBalance monthly plan", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-08-10", 79.95, "GlucoBalance monthly plan", "13.2", "Cancelled recurring transaction", "Won" ], [ "2026-08-15", 79.95, "GlucoBalance monthly plan", "10.4", "Other fraud: card-absent environment", "Accepted (refunded)" ], [ "2026-08-16", 33.96, "Deep Rest subscription", "13.2", "Cancelled recurring transaction", "Accepted (refunded)" ], [ "2026-08-19", 59.95, "GlucoBalance one-time", "13.6", "Credit not processed", "Accepted (refunded)" ], [ "2026-08-22", 50.96, "GlucoBalance subscription", "13.2", "Cancelled recurring transaction", "Won" ], [ "2026-08-22", 101.92, "2-item subscription", "13.2", "Cancelled recurring transaction", "Won" ], [ "2026-08-23", 59.95, "GlucoBalance one-time", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-08-28", 50.96, "GlucoBalance subscription", "10.4", "Other fraud: card-absent environment", "Lost" ], [ "2026-08-28", 79.95, "GlucoBalance monthly plan", "10.4", "Other fraud: card-absent environment", "Accepted (refunded)" ], [ "2026-08-30", 101.92, "2-item subscription", "13.2", "Cancelled recurring transaction", "Accepted (refunded)" ], [ "2026-09-03", 44.95, "GutRestore one-time", "13.3", "Not as described or defective", "Accepted (refunded)" ], [ "2026-09-03", 50.96, "GlucoBalance subscription", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-09-03", 59.95, "GlucoBalance one-time", "10.4", "Other fraud: card-absent environment", "Lost" ], [ "2026-09-06", 33.96, "Deep Rest subscription", "4853", "Cardholder dispute", "Lost" ], [ "2026-09-07", 33.96, "Deep Rest subscription", "13.2", "Cancelled recurring transaction", "Won" ], [ "2026-09-09", 38.21, "GutRestore subscription", "13.2", "Cancelled recurring transaction", "Lost" ], [ "2026-09-09", 50.96, "GlucoBalance subscription", "13.3", "Not as described or defective", "Lost" ], [ "2026-09-11", 79.95, "GlucoBalance monthly plan", "13.2", "Cancelled recurring transaction", "Open" ], [ "2026-09-12", 50.96, "GlucoBalance subscription", "13.2", "Cancelled recurring transaction", "Open" ], [ "2026-09-14", 33.96, "Deep Rest subscription", "4853", "Cardholder dispute", "Open" ], [ "2026-09-16", 79.95, "GlucoBalance monthly plan", "13.2", "Cancelled recurring transaction", "Open" ], [ "2026-09-17", 50.96, "GlucoBalance subscription", "13.2", "Cancelled recurring transaction", "Open" ], [ "2026-09-18", 50.96, "GlucoBalance subscription", "13.2", "Cancelled recurring transaction", "Open" ], [ "2026-09-21", 79.95, "GlucoBalance monthly plan", "13.2", "Cancelled recurring transaction", "Open" ], [ "2026-09-24", 79.95, "GlucoBalance monthly plan", "4853", "Cardholder dispute", "Open" ], [ "2026-09-24", 101.92, "2-item subscription", "13.6", "Credit not processed", "Open" ], [ "2026-09-25", 44.95, "GutRestore one-time", "4853", "Cardholder dispute", "Open" ], [ "2026-09-26", 50.96, "GlucoBalance subscription", "13.3", "Not as described or defective", "Open" ], [ "2026-09-27", 33.96, "Deep Rest subscription", "13.2", "Cancelled recurring transaction", "Open" ], [ "2026-09-27", 101.92, "2-item subscription", "13.2", "Cancelled recurring transaction", "Open" ], [ "2026-09-28", 79.95, "GlucoBalance monthly plan", "13.2", "Cancelled recurring transaction", "Open" ], [ "2026-09-29", 50.96, "GlucoBalance subscription", "13.3", "Not as described or defective", "Open" ], [ "2026-09-30", 44.95, "GutRestore one-time", "13.2", "Cancelled recurring transaction", "Open" ] ] }, "reserve_at_previous_processor": "10% rolling reserve, 90 days, added 2026-08-01; raised to 25% on 2026-09-16 with the closure notice", "closure_notice": "Dated 2026-09-15: the account will close on 2026-10-15 'following a review of our risk appetite for nutraceutical merchants'; the reserve will be held 180 days after closure. No reason code or termination listing is mentioned." }, "payout_bank_account": { "method": "Instant account verification (account link)", "bank_type": "National bank", "account": "Business checking x2087", "opened": "2025-05-20", "owner_name_returned": "HALVARD BOTANICS LLC", "name_match": "Match (legal name)", "authorized_signers_returned": "DANIELA R FERRANTE", "balance_at_link_usd": 31884.52, "credits_last_90_days_usd": 212577.79, "debits_last_90_days_usd": 225079.34, "transactions": { "note": "Every posted item 2026-07-07 to 2026-10-04, from the account link; debits negative", "columns": [ "posted", "description", "amount_usd", "balance_usd" ], "rows": [ [ "2026-07-07", "BANKCARD DEP MID x5531 NET OF FEES CB RESERVE", 1701.94, 46088.01 ], [ "2026-07-07", "MARKETPLACE SELLER PAYOUT", 6130.81, 52218.82 ], [ "2026-07-07", "USPS.COM CLICK-N-SHIP", -331.74, 51887.08 ], [ "2026-07-08", "BANKCARD DEP MID x5531 NET OF FEES CB RESERVE", 1820.45, 53707.53 ], [ "2026-07-08", "WIRE OUT SUMMIT 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], [ 67.8, "Business details", "", "page_view", "" ], [ 73.2, "Business details", "legal_name", "typed", "22 keys in 4.2 s, 1 correction" ], [ 83.5, "Business details", "dba", "typed", "16 keys in 3.2 s, 0 corrections" ], [ 93.5, "Business details", "entity_type", "selected", "LLC" ], [ 99, "Business details", "state_of_formation", "selected", "Florida" ], [ 106.5, "Business details", "date_formed", "typed", "12 keys in 2.1 s, 1 correction" ], [ 109.8, "Business details", "ein", "left_page", "switched to another window or app" ], [ 122.4, "Business details", "ein", "returned", "after 12.6 s" ], [ 122.8, "Business details", "ein", "pasted", "10 characters" ], [ 142, "Business details", "business_address", "typed", "58 keys in 10.4 s, 1 correction" ], [ 152.7, "Business details", "business_phone", "typed", "14 keys in 2.7 s, 0 corrections" ], [ 165.9, "Business details", "website", "typed", "29 keys in 5.2 s, 1 correction" ], [ 171.9, "Business details", "mcc_search", "typed", "10 keys in 1.9 s, 0 corrections" ], [ 244.1, "Business details", "business_description", "typed", "356 keys in 67.1 s, 0 corrections" ], [ 250.8, "Processing", "", "page_view", "" ], [ 253.3, "Processing", "monthly_volume", "typed", "5 keys in 0.9 s, 0 corrections" ], [ 258.9, "Processing", "average_ticket", "typed", "2 keys in 0.3 s, 0 corrections" ], [ 263.4, "Processing", "highest_ticket", "typed", "3 keys in 0.5 s, 0 corrections" ], [ 271.6, "Processing", "channels", "selected", "Online checkout 100%" ], [ 289.1, "Processing", "recurring", "selected", "Subscribe and save, every 30 days; about 45% of orders" ], [ 297.9, "Processing", "free_trials", "selected", "No" ], [ 307.5, "Processing", "previous_processor", "selected", "Yes" ], [ 376.2, "Processing", "statements_upload", "uploaded", "6 PDF statements, April to September 2026, and the processor's closure notice" ], [ 385.4, "Processing", "other_businesses", "typed", "Ferrante Brands LLC (Solenne Labs), on your platform" ], [ 389.8, "Owners", "", "page_view", "" ], [ 395, "Owners", "owner", "prefilled", "From the signed-in owner's profile on her other merchant account" ], [ 403.2, "Owners", "owner_ownership_pct", "typed", "3 keys in 0.6 s, 0 corrections" ], [ 411.2, "Payout account", "", "page_view", "" ], [ 416.9, "Payout account", "bank_link", "opened", "Instant account verification window" ], [ 468.8, "Payout account", "bank_link", "completed", "Signed in to a national bank; business checking x2087 selected" ], [ 477, "Review and submit", "", "page_view", "" ], [ 538.9, "Review and submit", "applicant_notes", "typed", "318 keys in 60.5 s, 4 corrections" ], [ 553.2, "Review and submit", "attestations", "checked", "Owner certification and terms" ], [ 562.4, "Review and submit", "submit", "clicked", "" ] ] } }, "links_to_other_applications": { "summary": { "same_device": 1, "same_ip_last_30_days": 1, "same_phone": 0, "same_email_or_email_domain": 0, "same_owner_ssn": 1, "same_ein": 0, "same_bank_account": 0, "same_address": 1, "same_website_text": 0 }, "linked": [ { "merchant": "Ferrante Brands LLC (DBA Solenne Labs)", "link": "Same owner, device, IP and business address (Unit 14)", "applied": "2026-07-21", "declared_at_application": "Salon and spa supplement line, wholesale and online; MCC 5499; stated $15,000 a month; no trials", "outcome": "Approved 2026-07-22 on standard terms; active", "processing": { "columns": [ "month", "sales_usd", "transactions", "chargebacks", "refunds_usd" ], "rows": [ [ "2026-08", 9812.4, 186, 1, 412.65 ], [ "2026-09", 14265.1, 251, 2, 690.12 ] ] }, "notes": "48% of September sales were wholesale orders over $150 from salon and spa businesses" } ] }, "rules_and_scores": { "onboarding_risk_score": { "score": 618, "scale": "0-999, higher is riskier" }, "rules_fired": [ [ "KYB-150", "Restricted line: dietary supplements (declared)" ], [ "WEB-233", "Free or reduced-price trial offer found on the site and not declared (restricted)" ], [ "WEB-236", "Possible disease claim on the site (testimonial); prohibited if it is the merchant's marketing" ], [ "PROC-602", "Chargeback ratio over 0.9% in a recent month on the previous processor's statements" ], [ "PROC-608", "Previous processor is closing the account" ], [ "LNK-701", "Owner has another merchant account with us (combined volume and chargebacks monitored)" ] ] }, "contact_history": [], "decision_request": { "stage": "Submission; all automated checks returned; routed to underwriting by rules", "requested_at": "2026-10-06T14:49:06Z", "on_approval": "Account live; subscriptions can be migrated from the store builder; payouts on the terms underwriting sets" } }, "questions": { "real_business": { "type": "noul", "instructions": "Is the applicant a real business that is actually operating (or genuinely preparing to open), applying through someone who owns or runs it? Answer no for a business that exists only on paper or as a website with no real operations, and for a real business applied for by someone who doesn't own or run it." }, "line_of_business": { "type": "choice", "instructions": "Judging from the website, listings, reviews, processing and bank records rather than the form alone, how does what this business really sells, or will sell, compare with its application, under our policy's prohibited and restricted lists?", "criteria": { "as_stated": "It sells what the application says, on the terms the application describes (including a restricted line the application declared)", "riskier_than_stated": "It sells something riskier than the application says, or on riskier terms, such as an undeclared restricted line, free trials that roll into recurring billing, or long delivery times, but nothing on our prohibited list", "prohibited": "Some of what it sells, or how it sells it, is on our prohibited list, whatever the application says" } }, "fraud_likelihood": { "type": "score", "instructions": "How likely is it that this application is fraudulent: a shell or made-up business, a real business applied for by someone who doesn't own or run it, or a business set up to take card payments it will not honor, or to put stolen-card payments through, and leave the losses with us (a bust-out)?", "criteria": [ "Very unlikely (under 10%)", "Unlikely (10-40%)", "Uncertain (40-60%)", "Likely (60-90%)", "Very likely (over 90%)" ] }, "decision": { "type": "choice", "instructions": "What should our underwriting team do with this application now?", "criteria": { "approve": "Approve on our standard terms", "approve_with_limits": "Approve with conditions: a rolling reserve, a lower monthly processing limit, delayed payouts, keyed entry turned off, or removing a product or offer", "request_documents": "Hold the application and ask for documents or a call before deciding (for example ID and selfie verification of the owners, bank or processing statements, supplier invoices, or a call to the business's publicly listed phone number)", "decline": "Decline the application" } } } }