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I am looking for a genuine Stripe Risk / Merchant Underwriting / Payment Compliance expert to help resolve a payment gateway rejection issue. My UK registered company was declined by Stripe after completing the verification process. Stripe's only response was: "Your account presents a high level of risk." No further explanation was provided. I have also been declined by several other payment providers without receiving any clear explanation. About the Business The business provides digital services including: Website Development Software Development Mobile Application Development Digital Marketing The website has already been updated and any previous services that could potentially create compliance concerns have been removed. What I Need I am NOT looking for: Stripe API integration WooCommerce setup Plugin installation Generic website audits General business advice I need someone who has real experience working with: Stripe Risk Merchant Underwriting Payment Compliance Acquiring Banks Merchant Account Reviews Your goal is not to write a report, but to help identify and resolve the actual issues preventing approval. Your Responsibilities Review the business and website. Review company documentation. Review legal pages and policies. Review previous communication with Stripe. Identify every issue that could trigger payment gateway rejection. Recommend and implement (or guide me through) the required changes. Prepare the business for a realistic Stripe reapplication or recommend the best alternative payment provider if Stripe is no longer a viable option. Project Success Criteria The project will be considered completed only when one of the following has been achieved: The real cause of the rejection has been identified with clear supporting evidence. All issues have been resolved and the business is ready for a realistic payment gateway application. A suitable alternative payment provider has been identified and the business has been prepared to meet its approval requirements. Simply providing a generic report or basic recommendations will not be considered project completion. Required Experience Please apply only if you have experience with: Stripe Risk & Compliance Merchant Underwriting Payment Gateway Compliance Acquiring Banks Merchant Account approvals Former employees of Stripe, payment processors, acquiring banks, or payment compliance firms are strongly preferred. When Applying Please answer the following: Have you worked on Stripe "High Risk" rejection cases before? How many similar cases have you successfully resolved? What payment providers do you have experience with? What would your approach be for solving this issue? Will you work until the underlying issue has been identified and resolved, rather than only providing general recommendations? Important Please do not apply if your expertise is limited to Stripe API integration, WooCommerce, or plugin development. I am looking for someone who can genuinely diagnose and solve payment gateway approval issues. Before I share my website or company details, I'd like to understand your experience with similar cases. Shortlisted candidates will receive full access to the website, Stripe correspondence, and all relevant documentation.
Project ID: 40543378
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101 freelancers are bidding on average $134 USD for this job

Hello, I understand you're looking for someone to diagnose the real cause of your Stripe and payment gateway rejections—not just provide generic advice. I can thoroughly review your website, business model, company documents, legal policies, and Stripe correspondence to identify potential underwriting and compliance concerns. Based on the findings, I'll provide practical recommendations to prepare your business for a realistic Stripe reapplication or help identify a more suitable payment provider if necessary. I’m committed to working through the issue until the underlying cause is clearly identified and your business is in the best possible position for approval. I look forward to discussing your case in detail. Best regards, **Muhammad Rizwan LA**
$100 USD in 2 days
8.2
8.2

Hello, I work on Stripe/merchant-underwriting and payment-compliance cases. For a 'high risk' decline I'll review your site against Stripe's underwriting expectations (clear business/contact info, refund/terms/privacy pages, accurate MCC and product descriptions, chargeback/risk posture), prepare a strong reconsideration/appeal package and advise on positioning your digital-services model, plus suggest compliant backup processors. We run payment integrations for our own SaaS, so the underwriting angle is familiar. Let's review your current setup. — Muhammad Idrees / Global IT Vision Pvt. Ltd
$240 USD in 7 days
8.2
8.2

Stripe Compliance Expert her------------->> I will review your website, policies, and Stripe rejection to identify the real cause, resolve compliance issues, and prepare your business for a successful reapplication or the best alternative payment provider. Please ping me to get started and provide you great results. Thanks!
$250 USD in 7 days
8.1
8.1

Hello, I see you're facing some challenges with Stripe rejecting your payment gateway application due to high-risk concerns. With 7+ years of experience in payment compliance and merchant underwriting, I can help you understand and resolve the specific issues causing these rejections. My approach will involve a thorough review of your business practices, documentation, and previous communications with Stripe to pinpoint the risks involved. I'm not just looking to provide a generic report; I aim to help you implement necessary changes and prepare for a successful reapplication or find an alternative payment provider if needed. I have worked on similar cases before and understand the nuances of payment compliance. Could you share if there are any specific aspects of your business model that you think might be contributing to these rejections? Best regards, Ivan Mandinski
$50 USD in 3 days
7.5
7.5

Hello, I’ve carefully reviewed your project requirements and they align very well with work I’ve completed successfully in the past. I’m confident I can deliver this exactly the way you expect — clean, reliable, and scalable. If you’d like, I can quickly walk you through a similar project I completed and explain how I’d approach yours step-by-step. I’m also happy to jump on a quick audio or video call to clarify anything. 410+ verified 5★ reviews, 538+ completed projects, Full-stack expert: CMS (WordPress, Shopify, Wix, Framer, Squarespace, Magento 2, OpenCart) Python, PHP, Laravel, React.js , node.js n8n, Zapier, AI agents. Always on time, within budget, Free 1-month post-delivery support you can check my skills and reviews here - https://www.freelancer.com/u/zahi9 Looking forward to your response. Best regards, Zahidul
$140 USD in 4 days
7.7
7.7

Hi! My name is Marjan and I'm here to offer you my services as a skilled applicant with over a decade of experience working on Freelancer.com. l believe I am the best fit candidate for this project due to my extensive experience; I would like to have a discussion to get to know that we both are on the same page. Once the scope will be locked, I will start working on it right away.
$140 USD in 7 days
6.7
6.7

I am Vimal Kumar, the perfect candidate for resolving your Stripe high-risk rejection predicament. With my decade-long experience in essential fields including Digital Marketing, Payment Gateway Integration, and PHP utilization, I possess a comprehensive understanding of your project's demands and challenges. I have successfully tackled similar issues before as a trailblazing Full Stack Developer, and have a deep knowledge regarding Stripe Risk & Compliance, Merchant Underwriting, Payment Gateway Compliance, along with working closely with leading Acquiring Banks. In my past consultations, I have managed to identify root causes and provide actionable solutions to the most stubborn payment gateways refusal cases. My commitment does not waver until I am able to zero in on the specific issue affecting business approval, providing tangible evidence as proof of my breakthrough so we can focus on an effective resolution strategy. Being familiar with several payment providers beyond Stripe also arms me with the insight we may need to make an informed decision should an alternative provider become necessary. In addition to my extensive skills, my clients constantly praise me for my professionalism, clear communication and expedient delivery - qualities that would further benefit your project. Choose me today for real expertise and lasting solutions!
$200 USD in 7 days
6.5
6.5

As a seasoned full-stack development team with over 12 years of experience, our expertise extends well beyond routine API integration and plugin development. Our deep proficiency with Stripe Risk and Compliance, Merchant Underwriting, Payment Gateway Compliance, Acquiring Banks, and Merchant Account approvals empowers us to precisely address your unique situation. Although we haven't worked specifically on Stripe "High-Risk" rejection cases before, we've dealt with similar hurdles with payment processors and acquiring banks and successfully steered businesses towards solutions. In fact, troubleshooting complex issues like these is the essence of what we do best. Our approach will revolve around conducting thorough reviews of your company and website, meticulously analyzing every aspect that might have contributed to the high-risk tag. We won't stop at identifying the issues - we will proactively work with you to implement the necessary changes or guide you through them. Importantly, we are committed to delivering results-oriented solutions rather than surface-level recommendations. This means our job isn't done until your business is not only ready for a realistic Stripe reapplication but also comprehensively prepared for any alternative payment provider if Stripe turns out not to be feasible for your needs.
$30 USD in 7 days
7.0
7.0

Hello, We are a professional team with more than 10 years of experience in payment gateway integration, compliance, and business verification processes. We understand the challenges businesses face when payment providers reject applications with limited or no explanation. We can perform a comprehensive review of your business from a risk and compliance perspective, including your website, legal pages, business model, onboarding process, and supporting documentation to identify factors that may trigger high-risk assessments by Stripe or other payment providers. Our goal is to help you understand the likely reasons behind the rejection, recommend practical improvements, and prepare your business for a stronger application with Stripe or alternative payment providers. We can also review your compliance with KYC, AML, and payment industry best practices to reduce potential risk indicators. We believe in providing clear, actionable recommendations based on industry standards and our experience with payment gateway requirements. We are ready to begin immediately and would be happy to discuss your case in detail. Best regards.
$150 USD in 7 days
6.9
6.9

Hi There!!! ★★★★ (Resolving Stripe “High-Risk” rejection through deep payment compliance and merchant risk analysis) ★★★★ Project understanding: I understand you need a payment compliance specialist to diagnose why your UK company is being rejected by Stripe and other providers with a “high risk” classification. The goal is not general setup work, but a real investigation into underwriting, compliance, and merchant risk factors, then fixing or re-positioning the business for approval or finding a viable alternative PSP. ⚜ Deep review of Stripe rejection, risk signals, and underwriting triggers ⚜ Audit website, business model, policies, and compliance structure ⚜ Identify issues affecting merchant account approval (banks, PSPs) ⚜ Recommend and implement corrective compliance improvements ⚜ Prepare re-application strategy for Stripe or alternative providers ⚜ Advise on safer payment routing and risk positioning I have experience working with payment gateway integrations and business compliance structures for online service-based companies, focusing on Stripe, PayPal, and risk-sensitive setups. I understand how underwriting decisions are made and what typically causes silent rejections like this. My approach is to first break down your rejection signals, audit your entire merchant profile, then rebuild compliance positioning so it aligns with what acquiring banks expect before reapplying or switching providers. Warm Regards, Farhin B.
$140 USD in 7 days
6.6
6.6

Hello! We can help diagnose the rejection issue and prepare a practical path to approval. 1. Have you worked on similar Stripe risk and compliance cases before? 2. What payment providers have you handled in cases like this? — About us We are dZENcode – a full-cycle IT company for digital product development: from design and programming to integrations and post-release support. We build projects from scratch and also work on existing solutions that need further development, improvements, or technical support. You can find detailed information about our services and rates on our official website: https://dzencode.com. Please review it – after that, we can discuss the details and agree on the next step. ⚠️ After clarifying all details, we will define the scope, the suitable cooperation format – task-based, outsourcing, or outstaffing – and the final cost. Projects are guaranteed to reach release with us: • 10+ years providing IT services; • 90+ in-house specialists; • 250+ public reviews since 2015; • We support products under SLA after launch; • We work under NDA and a company contract!
$140 USD in 7 days
6.7
6.7

Greetings! I specialise in payment compliance and merchant onboarding with 9+ years of experience helping businesses navigate Stripe, acquiring banks, and payment gateway approval processes. Here's how I can help: • Conduct a full underwriting-style review of your website, legal policies, company documents, and Stripe correspondence • Identify all potential risk triggers causing "high risk" classifications and provide evidence-based findings • Review compliance gaps related to MCC classification, business model, marketing claims, chargeback exposure, and KYC requirements • Prepare your business for a realistic Stripe reapplication or recommend suitable alternative providers based on your risk profile • Work through the process until the underlying cause is identified and a viable payment solution is in place I have handled multiple payment gateway rejection and compliance cases involving Stripe, PayPal, and merchant account providers. My approach starts with a complete risk assessment, followed by remediation, documentation strengthening, and provider matching to maximize approval chances. Quick question: were you ever previously approved by Stripe or any other processor, and have any chargebacks or disputes occurred in the past?
$140 USD in 7 days
6.1
6.1

As a seasoned Web Engineer with over a decade of experience, I possess the skills and expertise to address your specific payment gateway approval issue head-on. While I may not have been an employee at Stripe or an acquiring bank, I have dealt extensively with WordPress, MySQL and PHP - all of which are crucial components for the analysis you seek. Over my career, I've successfully resolved numerous cases similar to yours, validating my ability to identify and resolve any compliance-related obstructions. Although "Payment Risk & Compliance Specialist" may not be explicitly mentioned in my skillset, I assure you that my experience in digital marketing has instilled me with a profound understanding of payment gateways operations, merchant underwriting, and compliance requirements. With your website and documentation made available to me, we would be able to dissect all components that could potentially pose as risk factors ensuring your unique situation is properly addressed. Choosing me grants access to a dedicated professional who will persistently work towards your specific business needs until they are fully satisfied -
$30 USD in 1 day
6.1
6.1

<<<✔Consider it DONE✔>>> YO! I understand your project and I'm eager to help. Drawing on my extensive technical background in web development and deep understanding of payment gateways, I'm confident in my ability to identify and resolve the root causes of your high-risk rejection with Stripe. I recognize that getting a generic report without specific resolutions is not what you need. Instead, I provide tailor-made solutions, guiding you through necessary changes, and preparing you for a realistic reapplication process. Having worked with multiple e-commerce platforms & payment gateways, including Stripe, Paypal, and Braintree, extensive experience in dealing with acquirers and merchant underwriting teams enables me to approach this project with great precision. My thorough review of your business will cover your website, company documentation and policies to ensure we uncover every possible issue and resolve it effectively. My approach involves all-consuming dedication to resolving the issue. I won't just stop at identifying the problem; I will see to it that all issues are properly resolved - a sentiment resonated by my past clients who've benefited from my diligent work ethic. We set goals and work towards achieving them together Looking forward to being part of your project! You will surely be impressed by my work! Not sure what the next step is? I offer free and professional consultation -- I'm just a text away. All the very best, Josh
$140 USD in 2 days
5.9
5.9

Hello, I understand that this project is not about Stripe integration or website development—it is about identifying the actual reason behind the payment gateway rejection and preparing the business for successful approval. I have experience reviewing business websites, merchant requirements, compliance-related documentation, legal policies, onboarding requirements, and payment provider approval processes for digital service businesses. My approach is to conduct a detailed review of your website, company information, policies, service offerings, supporting documentation, and all correspondence received from Stripe or other providers. What I will do: ✓ Review website content, services, and business model ✓ Review Terms, Privacy Policy, Refund Policy, and compliance pages ✓ Analyze Stripe communications and rejection history ✓ Identify potential underwriting and risk triggers ✓ Review company documentation and public business signals ✓ Provide actionable recommendations to improve approval chances ✓ Recommend suitable alternative providers if Stripe is no longer viable ✓ Assist with preparing a stronger reapplication package I understand that generic reports are not useful in this situation. My focus will be on finding the likely causes of rejection and helping prepare your business for a realistic payment gateway approval path. I am available to start immediately and can review the full documentation once shortlisted.
$150 USD in 6 days
6.2
6.2

Hi, What stood out to me is that you're not looking for another Stripe integration or a checklist of generic fixes. You're trying to understand why multiple providers are reaching the same conclusion, and that's a very different problem to solve. My approach would be to review your business the way an underwriter does. That means looking at your website, legal pages, company documentation, customer journey, billing model, and previous communication with Stripe to identify the signals that could be influencing the risk assessment. Once those are identified, I'll help you address them one by one and prepare the business for the strongest possible reapplication. If Stripe is no longer the right fit, I'll also help you evaluate alternative providers based on your business model rather than making a random recommendation. I believe this project only has value if the underlying issues are uncovered and addressed, not if you receive another generic report. If shortlisted, I'd be happy to walk you through exactly how I'd review your business before any changes are made. Waqas
$140 USD in 7 days
6.2
6.2

Hello, I came across your Need an Expert to Resolve Stripe High-Risk Rejection (Payment Risk & Compliance Specialist) and I am very interested in working with you. I have reviewed your requirements and full understand the scope of expectations. I specialize in PHP, WordPress, and have successfully delivered similar projects before. I am committed to delivering high-quality work with reliability, clarity and professionalism. I work transparently throughout the project progress, deadlines and expectation stay clear at every stage. I would be glad to disucss further details and am ready to start immediately. Looking forward to hearing from you. Regards. Anum
$140 USD in 2 days
5.8
5.8

Hi I have deep, hands on experience diagnosing payment gateway underwriting and merchant risk rejections, including Stripe risk decisions where the only feedback is “high level of risk”. I do not rely on generic audits. My work focuses on identifying the specific underwriting triggers based on your business model, website presentation, legal structure, evidence, and payment processing patterns, then implementing the fixes so you are ready for a realistic reapplication. My approach: we map your digital services against common underwriting risk factors (digital goods delivery, refund clarity, customer support, dispute risk, entity and banking match, website and funnel clarity, policy language, pricing transparency, third party claims, chargeback exposure signals). Then we review Stripe correspondence, verification docs, and the account settings and structure that acquiring banks look for. After that we apply targeted changes and prepare a structured submission for reapplication, or I recommend an alternative processor if Stripe is not viable for your risk profile. I will work until the underlying cause is identified and resolved, not only broad recommendations. Best, Justin
$1,000 USD in 7 days
5.8
5.8

As a seasoned software and AI developer with 9+ years of experience, my team and I have successfully resolved numerous "High Risk" rejection cases for both Stripe and other payment providers. We've expertly navigated the complexities of Stripe Risk, Merchant Underwriting, Payment Compliance, Acquiring Banks, and Merchant Account Reviews. This proficiency comes not only from technical prowess but also from hands-on experience working with Stripe as well as with different global payment processors and banks. Our focus is not just on providing generic recommendations; we delve deep into the issue at hand and work diligently until the real cause of rejection has been pinpointed with clear supporting evidence. Leveraging our extensive knowledge of Payment Gateway Compliance, we meticulously review your website, company documentation, legal pages, policies, and even previous communication with Stripe to identify every possible issue that could lead to rejection. We then recommend and help implement the necessary changes to ensure your business is approval-ready or provide you with the best alternative if needed.
$140 USD in 2 days
6.0
6.0

Hi, I'd be happy to help review your Stripe rejection and identify the factors that may be triggering underwriting concerns. I have experience with payment gateway integrations, compliance requirements, business verification, and website reviews for merchant approval. I'll assess your business, website, policies, and documentation, identify potential risk flags, and provide practical recommendations to improve your chances of approval with Stripe or alternative payment providers. Looking forward to discussing your case. Best, **Muhammad Usman**
$220 USD in 3 days
5.6
5.6

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