Overview
Stonebridge Processing takes files other providers hand back. Their book is weighted toward merchants with an elevated chargeback ratio, a recent termination, or a business model they have had to restructure — and the account comes with monitoring attached rather than being handed over unconditionally.
That structure is the point. New merchants in this category typically start with a volume cap and a reserve, and both are reviewed on a set schedule as the account builds a clean history. Merchants who treat the first quarter as a probation period and fix the underlying dispute driver generally see terms improve; merchants who do not tend to hit the cap and stay there.
Stonebridge also provides chargeback alerts and representment support as part of the account rather than as a separately priced add-on, which is unusual at this end of the market and directly useful when your ratio is the thing standing between you and better terms.
What they accept
- Merchants with an elevated chargeback ratio
- Previously terminated merchants with a documented remediation plan
- Supplements and nutraceuticals, including auto-replenishment
- Dropshipping and high-risk e-commerce
- Travel and deferred-delivery merchants
- Subscription platforms restructuring their billing model
Pricing & terms
| Pricing model | Flat-rate |
|---|---|
| Rolling reserve | Standard on new accounts in this category, reviewed on a set schedule |
| Contract length | Month-to-month after an initial 6-month term |
| Early termination fee | None disclosed — confirm directly |
Figures above are the provider’s published or stated terms at the time of review. Final pricing, reserve percentage and hold period are set at underwriting and depend on your volume, ticket size and chargeback history.
Standout feature
Chargeback alerts and representment support are included with the account rather than sold as an add-on — which is exactly the tooling a merchant in this position needs to earn better terms.
Watch-outs
New accounts start with a volume cap and a reserve, so this is not the right home for a business that needs to scale immediately. Settlement at T+7 is the slowest on this list, and flat-rate pricing gets expensive once your volume is established.
Bottom line
A genuine second chance with structure attached, rather than a soft approval that unravels in month three. Plan to outgrow it: once you have four clean quarters, re-quote against the interchange-plus providers on this list.
Get matched with Stonebridge Processing
Frequently asked questions
No — only the acquirer that added you can remove a listing, and no processor can do it on your behalf. What Stonebridge can do is give you somewhere to process while you work on removal, and build the clean processing history that makes your next application easier.
It is reviewed on a set schedule as the account builds history, and the pace depends on your dispute performance rather than on elapsed time. Ask for the specific review schedule and the metrics they measure against before you sign.
