Member Avatar for july_

HiHiI am an international merchant selling electronic goods on-line. I waspreviously using 2CO, but my account is now suspended due to "securityreasons" as they say. Please, advise whether there are any optionsavailable for me.Thank you!

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Dani AI

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For : an account suspension is primarily a compliance and evidence issue. As said, processors expect concrete remediation before they’ll onboard the same merchant again, and is right that your country and product vertical affect which providers will work with you. Common, well-documented reasons for suspensions include high chargeback rates, suspected fraud or stolen-card activity, missing KYC/verification documents, violation of an IPSP's acceptable use policy for digital goods, or a compromised checkout flow. Do not rush to open a new account until the root cause is known.

Immediate, practical checklist:

  • Request a written reason and any supporting evidence (transaction IDs, timestamps, dispute details, and any reason codes).
  • Build a clear timeline of recent sales, refunds, and chargebacks.
  • Audit the storefront and payment stack: scan for malware, update payment plugins, rotate API keys, ensure TLS/SSL, and confirm you are not storing card data in violation of PCI requirements.
  • Implement or tighten fraud controls (CVV/AVS checks, rate limits, manual review for high-value orders, 3D Secure where available).
  • Prepare an appeal packet: business registration, bank statements, transaction logs, product pages, refund policy, and a short remediation plan.

If the processor refuses reinstatement: consider payment facilitators/aggregators that onboard faster, acquirers that accept higher-risk merchants, or marketplaces that handle payments while you remediate. Be transparent on any new applications — attempting to hide a prior suspension or misrepresent business details risks permanent fund holds. As suggested, check local PSPs and study their acceptable-use rules before applying; and as ’s post implies, different providers have very different risk tolerances.

Sample appeal email to send to the processor:

Subject: Appeal and remediation for suspended merchant account (Merchant ID: XXXXX)

Hello,
Please provide the detailed suspension reason and list of affected transactions. We have completed these fixes: (1) security patch and plugin updates, (2) enabled CVV/AVS and 3D Secure, (3) added manual review for suspect orders. Attached: business docs, transaction logs, screenshots of fixes. Requesting review and temporary reactivation with a holdback if needed.
Thanks,
[Name, Company, Contact]

Keep clear records of all communications and fixes; that packet is what new processors will ask to see.

Recommended Answers

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Member Avatar for Corey Bryant

Why did thay suspend you? That would be the first step and to correct that problem - unless you were selling something that was listed in their AUP?

And then of course it depends on where you are located as well for a merchant account or another Internet Payment Service Provider (IPSP).

Member Avatar for stymiee

You will definitely need to address your "security issues" before establishing another merchant account as whomever you go with will most likely have the same issues with your account.

Member Avatar for andrewbowe

i use 2checkout and it seems alright but i would rather be using a nochex merchant account

Member Avatar for wilson2

I agree with stymiee you need to address your "security issues", however you can check different payment processors those who can meet your requirement, if you are looking alternate solution in UK, I think this tool might be helpful to you; electronic-payments.co.uk/product_data.jsp

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