MOBOPAY supports a wide range of low, medium, and high-risk industries in Canada and the United States, including:

• Retail, restaurants, and in-person services
• Ecommerce and subscription-based businesses
• Nutraceuticals, supplements, wellness products
• Professional services, coaching, and education
• Select high-risk verticals, reviewed case-by-case

If you’re unsure whether your business qualifies, send us your website and a brief description — we’ll give you a clear answer.

Yes. High-risk is one of our specialties. We have direct relationships with acquirers that understand industries like supplements, continuity billing, coaching, and other higher-risk profiles. We’ll review your:

• Business model and website
• Refund / cancellation policies
• Processing volume, ticket size, and history
• Chargeback ratios (if applicable)

From there, we match you with the right banking partner and structure for stability.

For most standard, low-risk accounts, approvals can often be turned around within 24–48 business hours once we receive a complete application. High-risk or more complex files may take longer, depending on:

• Industry and processing history
• Volume requested and ticket size
• Underwriting questions or additional documents required

We’ll keep you updated at each step so you always know where your file stands.

This can vary by industry and risk level, but typically you’ll need:

• Government-issued ID for all owners
• Void cheque or banking confirmation
• Articles of incorporation / business registration
• 3–6 months of processing statements (if switching providers)
• Product / service details and website / funnel URLs

For certain industries, we may ask for supplier/manufacturer information, ingredient lists (for Nutra), or fulfilment and refund policies.

Most merchants are placed on interchange-plus pricing, which means:

• You pay the underlying card-brand interchange + a small MOBOPAY markup
• Pricing is transparent and scalable — as your volume grows, it stays fair

For some high-risk categories or specialized setups, a blended rate may be used. We’ll always walk you through the structure before anything is signed.

This depends on your hardware and pricing setup:

• Software/gateway-only setups are often flexible with no long-term lock-in.
• Terminal leases or subsidized equipment may include a fixed term.

We’ll always make your term and any cancellation conditions clear and in writing before you proceed.

Some setups may include:

• A monthly account or gateway fee
• Possible PCI-related fee, depending on the provider
• Optional value-add tools (chargeback tools, alerts, etc.)

During onboarding, we’ll go line by line through your fee schedule, so you know exactly what you’re paying for and why.

Yes. Send us:

• Your recent processing statements
• Your current fee schedule or agreement (if available)

We’ll provide a side-by-side comparison and let you know where we can save you money — or if your current setup is already strong.

We work with modern, secure devices such as:

• All-in-one smart terminals for counter and pay-at-table
• Portable wireless devices for delivery, taxi, and on-site services
• Integrated Clover and other POS setups (where available)

We’ll recommend hardware based on how you actually run your business.

In some cases, yes. Certain terminals and gateways can be reprogrammed to work with MOBOPAY’s banking partners. Share the model and current provider details and we’ll confirm compatibility.

Funding times vary by setup, but many merchants receive deposits in 1–2 business days. Factors that can influence timing include:

• Industry and risk level
• Processing volume and average ticket
• Country and banking partner (Canada vs. USA)

We’ll confirm your expected funding schedule during onboarding so there are no surprises.

For some high-risk or subscription-based merchants, a rolling reserve may be required by the acquiring bank. Reserves are used to:

• Protect against unexpected chargebacks or refunds
• Support higher volumes and faster scaling

If a reserve is required, we’ll explain the percentage held, the release timeline, and what behaviors can help reduce or remove it over time.

Yes. MOBOPAY supports:

• Hosted payment pages and payment links
• Full ecommerce integrations via gateway + API
• Recurring billing / subscription models
• Card-on-file and tokenized payments

During setup we’ll choose the best combination for your tech stack and risk profile.

We work with popular payment gateways and APIs suitable for:

• Custom websites and funnels
• Shopping carts and checkout platforms
• Booking and scheduling systems

Let us know what you’re using and we’ll confirm the best integration path.

Absolutely. We’re happy to work directly with your developer, tech team, or agency to:

• Provide API keys and documentation
• Clarify integration options
• Test transactions and go-live flows

Our goal is to make your integration smooth, secure, and fast.

We support merchants with:

• Chargeback alerts and notifications
• Guidance on winning dispute responses
• Best practices to reduce fraud and friendly disputes
• Tools and policies that help keep ratios under control

You’ll know when a chargeback hits, what it’s for, and what you can do next.

Some proven tactics include:

• Clear product descriptions and billing terms
• Easy-to-find cancellation and refund policies
• Recognizable billing descriptors on customer statements
• Responsive support — answering customers before they call the bank

We can review your website, funnel, and customer journey and point out easy wins.

Our approach is transparent and merchant-first. If there’s a concern (chargebacks, volume spikes, compliance issues), we aim to contact you, explain the issue, and work on a plan to fix it. In rare cases where a banking partner requires immediate action, we’ll communicate clearly and help you understand next steps.