Application, pricing and reserves, risk and chargebacks, integration and settlement — in the order they actually come up on the first call.
If the answer you need is not here, the underwriting desk answers email within one business day and does not route you to a sales queue first.
underwriting@meridianrails.com · +1 (302) 555-0148 · 08:00–19:00 ET / 14:00–01:00 CET
underwriting@meridianrails.comThe reason code on a termination notice tells an underwriter more than an hour on the phone. Forward it with three months of statements and we will tell you where the file can go.
Start an application →Meridian Rails Payments, LLC is a registered ISO/MSP of Harbor Point Bank, N.A., Wilmington, Delaware. Merchant accounts are issued by the sponsoring bank, not by Meridian Rails. We are not a bank and we do not hold merchant funds; settlement is made by the sponsor bank directly to the account named on your application.
Approvals, discount rates, reserve terms and settlement schedules are set at underwriting and disclosed in full in the merchant agreement before you sign. No rate quoted in conversation is binding until it appears in that agreement.
Card-network marks shown on this site indicate the payment types accepted through our gateway. They do not imply endorsement or sponsorship by Visa, Mastercard, American Express or Discover.
No approval is guaranteed. Every application is subject to underwriting, KYB/KYC verification and OFAC sanctions screening, and may be declined without a stated reason.
Scheme thresholds
Visa VAMP sets the merchant excessive ratio at 1.50% effective 1 April 2026, combining TC40 fraud with TC15 non-fraud disputes and removing the early-warning tier. Mastercard ECM remains 1.50% with 100 or more disputes in a month. Thresholds are set by the card networks and are subject to change.
How we hold the lineProhibited business
We will not board counterfeit or IP-infringing goods, unlicensed pharmaceuticals, unregistered financial services, or any business connected to a sanctioned jurisdiction. The full restricted list is published rather than disclosed after application.
Read the listComplaints
Write to complaints@meridianrails.com or call the underwriting desk. We acknowledge in writing within two business days and respond substantively within fifteen. Unresolved matters escalate to the sponsor bank compliance officer.
Escalation route