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Why Our Compliance Process is More Thorough Than Other Payment Companies

Why we ask for more information upfront:

At Pinch Payments, our compliance process is designed to ensure long-term stability and uninterrupted service for our merchants. While some larger platforms such as Stripe, Square and PayPal focus on fast onboarding, we prioritise detailed upfront checks. This approach protects you from unexpected disruptions later.

How Our Approach Differs

Many large payment platforms rely heavily on automation for onboarding, with limited human oversight. This allows them to approve more merchants quickly but can result in problems being detected only after you begin processing payments. The result is a higher risk of sudden account freezes, settlement delays or even account closures.

As a smaller provider, we cannot absorb the risks that come with insufficient screening. Our thorough onboarding process ensures that, once you are approved, you can rely on stable and predictable payment processing.

Real-World Evidence: Settlement Freezes and Business Impact

A quick search of public forums and review sites reveals how often merchants experience sudden settlement holds with larger platforms:

  • Stripe: Hundreds of merchants report unexplained holds on funds, often lasting weeks, disrupting their cash flow and in some cases threatening their ability to operate.

  • Square: Sudden account deactivations and settlement freezes are common complaints among small business owners. The lack of upfront risk assessments means that issues often arise when it’s too late to address them smoothly.

  • PayPal: Known for its 'Account Limitations', PayPal frequently places indefinite holds on accounts with minimal explanation, often leaving businesses in financial limbo.

A 2023 study by Payments Journal found that 34% of small businesses experienced a settlement freeze that lasted more than 5 days, resulting in delayed payroll, disrupted service delivery, and in some cases, irreversible damage to the business.

Why Our Approach Is Better

At Pinch, we take the time to verify and validate during the onboarding process. Our comprehensive compliance checks mean that we understand your business well before you begin processing payments. This not only mitigates risk but ensures you don’t find yourself suddenly locked out of your own revenue stream.

Real Pinch Merchant Experiences:

  • One of our clients shared, "My client payments are settled much faster than the other services I have used, and I receive notifications for all settlements" (Emily Dawson, 2024 Review).

  • Another noted, "Pinch has transformed our accounting processes in a positive way, and their technical support is prompt and professional" (Andrea Wells, 2024 Review).

Conclusion: Stability Over Speed

While our compliance process may take slightly longer upfront, the peace of mind it provides is unparalleled. With Pinch, you avoid the sudden disruptions and arbitrary freezes that plague larger platforms. Our focus on upfront due diligence means you can confidently rely on uninterrupted payment processing, smoother cash flow, and true business continuity.

Would you like to experience a payment process that prioritises your business's stability? Get in touch with us today, and discover how Pinch does payments differently.