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Case Studies

Research Peptides Business Launch

Industry: Research peptides and biochemical compounds

Location: England, United Kingdom

Business Owner: Qualified pharmacist entering research peptides market

Challenge: Declined by mainstream payment providers despite legitimate credentials and business model; unable to launch ecommerce operations after weeks of applications

Outcome: High-risk merchant account approved and operational within 6 days following 90-minute consultation; business launched successfully; customer left five-star Google review

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Supplement Subscription Business Recovery

Industry: Health supplements with subscription billing

Location: United Kingdom

Business Owner: Ecommerce director operating supplement subscription service

Challenge: Stripe account suspended due to supplement classification and subscription model; revenue halted; funds held

Outcome: Specialist merchant account with subscription billing support approved within 8 days; customer migration completed; processing stability restored

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Travel Agency PayPal Recovery

Industry: Independent travel agency

Location: United Kingdom

Business Owner: Travel agency director serving leisure and corporate clients

Challenge: PayPal account limited with £18,000 funds held during peak summer booking season; unable to accept holiday bookings

Outcome: ATOL-compliant travel merchant account approved within 7 days; processing restored before critical booking period; stable operations maintained

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CBD Retail Multiple Declines

Industry: CBD wellness products retail

Location: United Kingdom

Business Owner: Retail director operating CBD wellness stores

Challenge: Declined by three UK banks due to CBD classification; unable to accept card payments in physical retail locations

Outcome: CBD-specialist merchant account with countertop terminals approved within 10 days; compliant with UK CBD regulations; stable processing maintained for 18+ months

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FCA-Regulated Forex Platform

Industry: Foreign exchange trading platform

Location: United Kingdom and European Union

Business Owner: Fintech director operating FCA-regulated forex platform

Challenge: Declined by standard processors despite FCA regulation; complex multi-currency requirements; high transaction values triggering automated declines

Outcome: FCA-aware high-risk merchant account with multi-currency processing approved within 12 days; compliant infrastructure supporting regulated operations

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author avatar
Rav Bains
Rav Bains is a senior payments consultant and the founder of We Tranxact, with over 15 years of experience navigating the global merchant services landscape. A Visa-approved broker, Rav specializes in payment orchestration and fee optimization for established, high-volume businesses. He is widely recognized for his ability to secure stable, long-term processing for 'hard-to-place' sectors, helping merchants recover from account freezes and significantly reduce their effective processing rates through independent, transparent audits
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