Card processing
that actually
goes live.
Live merchant accounts for e-commerce — plugged into your existing Shopify, WooCommerce or custom checkout. Company formation included, optionally anonymous with a nominee. High-risk and previously terminated merchants welcome.
Stripe shut you down on a Tuesday morning?
You are not the first — and you don't need to spend six weeks re-applying with the same processor that just dropped you.
Account terminated
Funds frozen, no reason given, checkout dark by lunchtime.
Declined as high-risk
Your category blocked before you even shipped your first order.
Rolling reserves out of control
20%+ held for 180 days — working capital gone.
Because processing you can't lose again is the only kind worth having.
We don't dress up an application. We rebuild it so the next acquirer says yes — quickly, and quietly.
- 01
Fast to start: a rebuilt file goes to an acquirer within 48–72h and most merchants are taking live card payments in days — not the 4–6 weeks a cold application takes.
- 02
Privacy through structure: paired with a nominee entity, your personal name doesn't sit on the merchant agreement or the acquirer's public directory — only the trading company does.
- 03
A merchant account is only worth having if it survives review — Vaulted places files that already failed elsewhere, because we rebuild them for the reason they were declined.
- 04
Direct relationships with 30+ acquirers and EMIs (Stripe, Airwallex, Worldpay, Checkout.com and specialist high-risk partners) — your file lands with a real underwriter, not a reseller queue.
- 05
Backup rails set up in parallel so a single suspension never takes you offline again — and one senior advisor stays on the file from underwriting through renewals.
Ready to trade.
Nothing missing.
One engagement covers the entity, the account and the integration. You leave with a checkout that takes cards.
A live merchant account
Card acquiring on Visa, Mastercard and local schemes — 3DS-ready, chargeback tooling included, with backup rails configured in parallel.
Live in days, not weeks
Entity — handled by us
No own company needed. UK, Estonia or US, in your name or fully anonymous through our nominee formation.
One senior advisor
The same person from underwriting to renewal. No ticket queues, no offshore call centre.
A network of acquirers — matched to your vertical.
We route you to the acquirer that actually wants your business — not the one that'll drop you in 60 days.
From first call to first payment.
- 01
You tell us your setup
A senior advisor looks at your model, volumes and vertical personally — and comes back with a straight answer on whether we can place you.
- 02
The file, rebuilt
We prepare the merchant application, corporate documents and processing history, and we disclose the termination properly instead of hiding it.
- 03
Placement
Your file goes to underwriters who actually accept your kind of business. Usually two live offers, with reserve terms negotiated before you sign.
- 04
Live, and settling
Plugin installed on Shopify or Woo, credentials handed over, first authorised payment inside a week — settlements landing T+2.
Prefer to just message
Talk to our team on WhatsApp.
We accept what
others won't.
Previously terminated merchants, high-risk categories, brand-new entities without processing history, cross-border e-commerce, subscription and continuity models — the files that Stripe and PayPal bounce on principle are exactly the files we underwrite.
We tell you within a day whether we can place your file, on what terms, and with which acquirer. If we can't, we say so — no six-week silence.
Plug it into the stack
you already run.
No migration project. No re-platform. Your existing checkout keeps working — with a new processor behind it.
Native app, one-click install.
Signed plugin, subscriptions supported.
Composer module, multi-store.
Hosted or embedded checkout.
REST API, drop-in JS, webhooks.
Server SDKs, SCA-ready intents.
“We lost our processor on a Thursday. Vaulted had a new acquirer underwriting us by Monday and our checkout was back up the following week.”
Merchant account FAQ.
Get your checkout live next week.
Tell us your vertical, monthly volume and current setup — a senior advisor responds within one business day with placement, timeline and indicative pricing.
