Where our revenue comes from
| Who pays | What for | When |
|---|---|---|
| Payment providers | Introducing a merchant that completes their underwriting | Only after the merchant is onboarded and goes live |
| Merchants (some cases) | Application review and file preparation | Only if quoted and agreed in writing before work starts |
If a fee applies to you, we tell you the amount before we begin. If nobody tells you about a fee, there isn’t one.
What payments never change
- Which providers you see. Matching uses the same rules for every provider: your vertical, licence, markets, payment methods and volume. See our methodology.
- The order you see them in. There are no paid placements, sponsored listings or featured slots for sale.
- Whether a provider is shown at all. A provider that pays us more is not shown more often.
- What we tell you about an offer. We compare fees, reserves and settlement on the same basis for every provider.
Ownership disclosure: FalconPay
FalconPay (falconpay.online) is a payment gateway owned by the same people who own Approvd. Because of that, we follow these rules:
- FalconPay is listed and matched under exactly the same rules as every other provider. It gets no default slot, badge or boost.
- Its directory card always shows “Same owners as Approvd”.
- If FalconPay is on your shortlist, we say so in the introduction, before you agree to share anything.
- You can ask us to leave FalconPay out of your shortlist, and we will.
Your data and consent
Nothing you tell us is shared with a provider until you approve that specific introduction. Merchant requests on our public board are anonymised: no names, websites or contact details.
What we never do
- Rent accounts or offer “pre-approved” accounts
- Disguise or misrepresent a merchant’s business to a provider
- Help anyone evade the MATCH list or a provider’s rules
- Guarantee approval with any provider
- Hold merchant funds. Approvd is not a payment processor, bank or lender