01
Route transactions
intelligently.
Rules by BIN, region, ticket size or live performance decide where each payment goes, so it lands where it is most likely to approve.
Schedule a demo
01
Payment Processing
Without the “No.”
- $10M+ processed
- Your MIDs or ours
- Live in days
- Every MID, transaction and subscription in one operating view
- Routing that sends each payment where it is most likely to clear
- Dispute alerts that arrive before the chargeback is filed
- Acquiring of our own, for when you need a MID and not just a router
The problem
One MID is a
single point of failure.
High-risk merchants get put on a single MID with no visibility and no backup. Approvals slide, chargebacks climb, and the first real sign of trouble is the shutdown email. It usually looks like this:
- /01Approval rates drop and nobody notices.
- /02Chargebacks cross the threshold.
- /03The MID gets shut down.
- /04Sales stop until you find another one.
One MID · no orchestration
Shut downApproval rateFalling
Backup MIDNone
With Vertlo
Orchestrated across MIDs
ProcessingMID 0196.4% approval
MID 0291.3% approval
MID 03Balancing load
We set you up with more than one processor. If one stops working, your payments carry on through another. You do not lose a day of sales, and you do not have to start again from scratch.
Interactive demo of the Vertlo merchant portal. Use the section navigation to move between the overview, transactions, routing, disputes, subscriptions and settlements.
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JRJordan ReyesOwner
Nordvia Group LLCAll brands
Last 30 daysUSDDownload statement
Overview
Your payment operation at a glance — all brands.
Gross processing volume$1.84M+12.4%vs previous period
Net processed$1.71M+11.8%vs previous period
Approval rate92.6%−1.1ptvs previous period
Successful transactions14,208+9.2%vs previous period
Pending settlement$212,480+3.0%vs previous period
Available settlement$148,220—vs previous period
Refund rate2.1%−0.3ptvs previous period
Chargeback rate0.62%+0.08ptvs previous period
Payment health
Healthy- Approval-rate trend
- Stable
- Decline-rate trend
- Watch — UK debit
- Dispute trend
- Within threshold
- Refund trend
- Improving
- Reserve position
- 98% of target
- Settlement status
- On schedule
Attention required
5 items- 1 dispute requires evidenceDSP-0221 · $89.00 · due Jul 14
- Approval rate declined 4.2% on UK-02UK Visa debit · last 7 days
- MID US-01 nearing monthly threshold72% utilised · projected cap Jul 26
- Compliance document expiringInsurance certificate · Jul 20
- Subscription retries underperformingLoop Club · attempt-2 window
Payment volume
ApprovedDeclinedRefundedDisputed
Illustrative product view. Figures are demo data.
Who it's for
If this is your
business, it is built
for you.
DTC & subscription brands
Rebills, free trials and continuity offers.
Disputes climb with every billing cycle, and one closed MID takes the whole book of recurring revenue with it.
Nutra & supplements
Supplements, wellness and regulated consumer products.
Mainstream providers decline the category on the MCC alone, however clean the operation actually is.
Funnel & high-ticket commerce
Paid-traffic funnels and large order values.
Standard risk models flag high AOV and aggressive acquisition on sight, then hold the settlement.
Cross-border & multi-entity
Several stores, several markets, several MIDs.
No single view of approvals or settlement, and reconciliation done by hand across a dozen dashboards.
Core pillars
Everything you need to grow, control and protect revenue.
Three products, one system. Your payment data, your routing, and your MIDs.
Payment CRM
Every transaction, subscription and customer in one dashboard. Spot what is failing and fix it without switching tools or waiting on a developer.
Payment orchestration
Route transactions across multiple MIDs and processors. Better approvals, lower costs, and traffic balanced so no single MID carries all the risk.
Chargeback protection
Alerts before a dispute becomes a chargeback, full case management, and threshold monitoring that keeps your MIDs from being shut down.
Payment orchestration
Control how every payment is processed.
Give each transaction the best possible path, and keep your MIDs healthy while you do it.
Route transactions
02
Manage and
distribute MIDs.
Group and prioritise MIDs, set traffic distribution, and rebalance automatically so no single MID takes enough volume to get flagged.
Schedule a demo
02
03
Recover failed
payments.
Cascading on initial charges, retry logic on rebills, and built-in dunning for failed renewals — revenue you would otherwise write off.
Schedule a demo
03
Solutions
Built for complex
payment setups.
If this is your operation, this is what Vertlo was built for.
Subscription
businesses
Rebills, free trials, delayed charges and dunning, managed from the same place you see your transactions — instead of three disconnected tools.
Chargeback
pressure
Card network alerts land before the dispute is filed, so you can refund or resolve and stay under the monitoring thresholds that close MIDs.
Multiple stores
and regions
Several stores, each with its own MIDs and processors. One system across all of them, with reporting kept separate per entity.
Declining
approval rates
Approvals slipping and no idea why. See it per MID, per BIN, per region — then route around the problem instead of guessing at it.
Accepted methods
Every method your customers reach for.
Cards and wallets across your markets, processed through your MIDs or ours.
Visa
Mastercard
American Express
Discover
PayPal
Apple Pay
Google Pay
UnionPay
Integrations
Keep the storefront you already have.
Vertlo sits behind what you sell on today. Nothing to rebuild, nothing to migrate.
- Shopify
- WooCommerce
- ClickFunnels
- Konnektive
- Sticky.io
- Checkout Champ
- BigCommerce
Anything else connects through the API.
Getting started
Live in days, not quarters.
01
Connect your setup
Shopify, a hosted Vertlo checkout, or our API. Bring your existing MIDs, use ours, or run both side by side.
02
Set your routing
Decide how traffic is split across MIDs and processors, and what happens when a payment fails or a MID starts to slip.
03
Watch it and tune it
Approvals, declines, chargebacks and subscriptions in one view — with the controls to act on them in the same place.
Reviews
What our merchants say.
Placeholder
“We stopped translating our business model to a support queue. Vertlo understood the operating reality on the first call, and the setup reflects it.”
Founder
DTC & subscription brand · US
Placeholder
“Approval performance was the reason we looked. Settlement clarity is the reason we stayed. Finance closes the month without chasing anyone.”
Finance lead
Cross-border retail · UK
Placeholder
“When our old processor opened a review, everything stopped for three weeks. With a multi-route setup, that risk simply is not structural anymore.”
COO
Creator platform · US
Illustrative placeholder quotes. Verified customer reviews will replace these before launch.
FAQs
Questions, answered plainly.
Who does Vertlo work with?
Established ecommerce merchants in categories mainstream providers find difficult — DTC and subscription brands, supplements and wellness, funnel and high-ticket commerce, and cross-border or multi-entity operations. Every business is reviewed individually, and we only work with lawful ones.
Do I have to move off my current processor?
No. Most merchants keep their existing MIDs and add ours alongside them. Vertlo routes across whatever you have, so you can shift volume gradually rather than migrating in one go — and you keep a fallback while you do.
Are you a processor or an orchestration platform?
Both, which is the point. Pure orchestration platforms can only route the acquiring you already hold. We route it and can provide it, so if the problem is that nobody will approve you, that is a conversation we can actually have.
How long does it take to go live?
Connecting the platform is quick — Shopify, a hosted checkout or the API. Acquiring is the variable: it depends on your category, volumes, markets and documentation. We will tell you what the realistic path looks like on the call rather than quote you a number we cannot hold to.
Will you approve my business?
We cannot promise that. Approval depends on underwriting, compliance and the acquiring available for your category and market. What we will do is give you a straight answer quickly instead of leaving an application open for weeks.
What does it cost?
Pricing depends on your volumes, categories, markets and which parts of the platform you use, so there is no public rate card. You will get concrete numbers on the call, not a range that changes later.
Can you help if my account has already been closed?
Often, yes — it is one of the most common reasons merchants come to us. Bring the closure notice and any correspondence to the call; the reason it happened shapes what is available next.
Do you help with chargebacks?
Yes. You get card network alerts before a dispute is filed, full case management and representment, and threshold monitoring so you can see a problem building rather than finding out when the MID closes.
Blog
Payments, explained without the hand-waving.
What actually gets merchants declined, frozen and shut down — and what to do about it.
- Acquiring8 min readHow to get a high-risk merchant account (and what actually gets you declined)Most declines are not about your industry. They are about what you did or did not put in the application.
- Risk11 min readChargeback thresholds explained: VAMP, MATCH and what closes MIDsCard scheme monitoring programmes are the mechanism behind most MID closures. Very few merchants know the numbers.
- Operations7 min readYour processor froze your account. Here is what to do in the first 48 hoursFreezes are rarely reversed by arguing. They are reversed by sending the right evidence in the right order.
Book a demo
See it running on
your own numbers.
Thirty minutes. We walk through the CRM, the routing, and the chargeback tooling against your actual setup.
- A working demo, not a slide deck.
- We map it to your MIDs, volumes and markets.
- You see exactly what changes before you commit.