🟢 Shopify Payments Alternative

Shopify Payments Dropped You.
We'll Get You Approved.

Your store shouldn't die because Shopify's payment system flagged your industry. Get a real merchant account — approved in as little as 48 hours.

Apply Free — Takes 2 Minutes → Message us on Telegram

45+

Banking Partners

48h

Avg. Approval

Continents

Setup Fees

Sound familiar?

You Got This Email from Shopify

Thousands of legitimate businesses get this every year. It's not the end — it's a reason to get a proper merchant account.

📧

Your Shopify Payments account has been deactivated

"After reviewing your account, we've determined that your business is not eligible for Shopify Payments based on our Terms of Service. Your Shopify Payments account has been deactivated and you will no longer be able to accept payments through this service.

You will need to use a third-party payment provider to continue accepting payments in your store..."

⚠️ You have 30 days before your store stops processing.

Why it happened

Shopify Drops Merchants for Things That Aren't Your Fault

🏪

Your Industry Is "Prohibited"

Shopify Payments has a long list of restricted industries — supplements, nutraceuticals, CBD, adult, firearms accessories, high-ticket eCommerce. Profitable businesses, all banned.

📈

Your Volume Grew Too Fast

Rapid growth triggers risk algorithms. Your account gets flagged, funds held, then terminated — even with a clean track record and happy customers.

↩️

Chargeback Ratio Spiked

One bad promotion, a viral product, or a competitor attack can spike your chargebacks temporarily. Shopify has zero tolerance. One breach = termination.

🔁

Subscription or Recurring Billing

Shopify Payments is built for one-time transactions. Subscription boxes, memberships, and continuity programs often trigger policy violations.

📋

TMF or MATCH Listed

A previous processor added you to Terminated Merchant File. Shopify checks it during account reviews. Once flagged, they cut you off automatically.

🌍

International or High-Risk Markets

Selling to certain countries or in certain currencies triggers additional scrutiny. Shopify Payments restricts many regions that legitimate global eCommerce businesses serve.

✅ The Fix

A Real Merchant Account. Not a Platform's Built-In Gateway.

Shopify Payments is a consumer-grade gateway built for low-risk merchants. Your business needs a dedicated merchant account with a bank that understands your industry.

✓Works with Shopify via third-party gateway (Authorize.net, NMI, and others)
✓45+ acquiring banks across US, EU, and Canada
✓Specialists in high-risk, subscription, and continuity billing
✓Chargeback protection and monitoring tools included
✓Multi-currency and international acquiring available
✓TMF/MATCH listed? We still have options.

Our Banking Network

US Acquiring Banks

15+ partners

EU / SEPA Banks

10+ partners

Canadian Processors

5+ partners

High-Risk Specialists

TMF-friendly

Subscription Billing

Continuity ok

Matched to your industry, volume & region

The process

From Terminated to Processing in 3 Steps

Apply Free (2 minutes)

Fill out our short pre-application below. No credit check, no commitment, no setup fee. We just need the basics about your business and processing needs.

We Match You to the Right Bank

Our team reviews your application within 24 hours and submits it to the most likely banks from our network of 45+ acquiring partners — matched to your industry, volume, and region.

Connect to Your Shopify Store

Once approved, we help you integrate your new merchant account with Shopify via a third-party gateway. You're back to processing — with a stable, bank-direct relationship.

Results

Merchants Back to Selling

"Shopify Payments shut us down with 2 weeks notice. RetryHub had us approved and integrated with a new gateway in 4 days. We didn't miss a single sale."

Marcus T.

Supplement Brand, $180k/mo

"We had a chargeback spike from a bad influencer campaign. Shopify froze our funds and terminated the account. RetryHub got us a real bank account that could handle our volume."

Sarah K.

Subscription Box, $95k/mo

"I was TMF listed from a previous business. Thought I'd never process again. RetryHub found me an offshore option and had me back processing within a week."

David R.

Digital Products, $40k/mo

Get Approved. Keep Selling.

Free pre-application. No setup fees. We'll match you to the right bank within 24 hours.

Message us on Telegram

🎉

Application Received!

Our team will review your application within 24 hours. Check your email — we'll also send your client portal access.

Full Name *

Business Email *

Phone

Business / Store Name *

Shopify Store URL

Monthly Processing Volume

Industry / Product Type *

Primary Reason Shopify Dropped You

Telegram (Recommended but optional)

Additional Details

🔒 Your info is encrypted and never sold. Zero setup fees. No commitment.

FAQ

Common Questions

Can I still use Shopify with a third-party merchant account?

Yes. Shopify supports third-party payment gateways like Authorize.net, NMI, PaymentCloud, and many others. You'll pay Shopify's transaction fee (0.5–2% depending on your plan), but you get full control of your banking relationship and aren't subject to Shopify Payments' restrictive policies.

How long does approval take?

Most applications receive initial responses within 24–72 hours. Standard accounts are approved in 3–7 business days. High-risk accounts (TMF/MATCH, high chargebacks) typically take 5–10 business days. We'll keep you updated at every step.

Will Shopify charge me extra transaction fees?

Yes — Shopify charges 0.5% to 2% on all transactions processed through third-party gateways (less on higher-tier plans). Many merchants on Shopify Plus can negotiate this. We recommend factoring this into your processing costs.

I'm TMF / MATCH listed. Can you help?

Yes. Being on the TMF/MATCH list is not a permanent ban. We have banking partners that specialize in working with merchants on the list, particularly for lower-risk cases. The process may take longer and rates may differ, but approval is possible.

What are your fees?

RetryHub charges no setup fees and no upfront costs. Our revenue comes from the ongoing merchant account relationship with our banking partners. Processing rates vary by industry, volume, and chargeback history — we'll present all options transparently.

My funds are frozen by Shopify — what do I do?

Shopify can hold funds for up to 180 days under their Terms of Service. While we work on getting you a new merchant account, we recommend contacting Shopify support in writing, documenting all communications, and consulting a payment attorney if the held amount is significant. We can refer you to resources.