How we choose topics
We write about the questions merchants and providers bring to us: why applications are rejected, what happens after an account is closed, how reserves and the MATCH list work, and which payment methods matter in each market.
Sources we use
- Published rules and help pages from card networks and payment providers
- Public registers and publications from regulators
- Provider underwriting requirements shared with us during onboarding
- Anonymised patterns from merchant applications we have prepared
Where a figure varies by provider, such as a reserve percentage or hold period, we give a typical range and say so.
Writing and review
- A draft is written by the Approvd editorial team. We use writing tools, including AI, for drafting and editing.
- A member of the team checks every fact, figure and link against the sources before publishing.
- Each page shows the date it was last updated.
Independence
Providers cannot pay to be mentioned, ranked or recommended in a guide. Where a guide names a provider we share owners with, we disclose it. See our ownership disclosure.
Updates and corrections
We review guides when rules or provider policies change, and at least once a year. If you spot an error, tell us. We correct factual errors promptly and update the date on the page.