DoshFunding

Payment solutions

Merchant accounts

Underwriting that matches your real business model so approvals stick, settlement stays predictable, and you are not constantly re-boarding.

Start merchant reviewCard acceptance options

Merchant account

Merchant account intake

MCC, ticket size, and how you deliver. We package your file so the bank sees the full picture.

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MCC

Category fit

Ticket

Avg. sale profile

CNP / CP

Delivery mix

MID

Stable placement

Outcomes depend on sponsor bank, network rules, and your processing history. We set expectations before you invest time.

What we coordinate

We align your MCC, average ticket, and delivery method with the right processor and sponsor bank. That reduces holds, mismatches, and mid-stream account freezes.

  • New applications and strategic re-boarding after a processor change
  • Multi-location and franchise rollouts with consistent reporting goals
  • High-touch review when volume ramps, chargebacks spike, or mix changes
  • Coordination with ecommerce and ACH when you need multiple rails

What merchants feel day to day

Application packaging

Volume, ticket, delivery, and ownership structure presented the way sponsors expect, with fewer back-and-forth loops.

Risk clarity

Chargeback history, fulfillment, and category notes surfaced up front instead of after a decline.

Rails alignment

Match card-present, CNP, and ACH needs to the same MID strategy when the bank allows.

Growth path

Re-boarding and limit conversations when volume ramps or mix shifts materially.

Multi-entity

Franchise and holding-company structures with clear hierarchy for compliance review.

Human review

Non-standard files get eyes before submit so you are not burning a sponsor relationship.

Solutions by industry

Coverage across how you actually sell

Retail

Stores, boutiques, and multi-SKU operators

  • Countertop and mobile terminals with EMV and contactless
  • Inventory-heavy seasons and omnichannel card-present flows
  • Cash discount or compliant dual pricing when ticket mix supports it
  • Gift cards, store credit, and reconciliation with your POS

Restaurants

QSR, full service, bars, and catering

  • Tip adjust, bar tabs, and fast guest checkout
  • Kitchen display and handheld pay-at-table paths
  • Online ordering handoff to the same merchant ID where possible
  • ACH for catering contracts and B2B meal programs

Hospitality

Hotels, venues, and guest services

  • Card-not-present deposits and authorization holds
  • MOTO and emailed invoice links for groups and events
  • Multi-department reporting and property-level MCC clarity
  • Capital for renovations, FF&E, and seasonal staffing swings

Automotive

Dealers, repair, detail, and fleet services

  • Large-ticket repair and parts with proper card-present flags
  • Recurring payments for service plans and fleet accounts
  • ACH for wholesale parts and vendor pulls where it fits
  • Working capital aligned to inventory and service bays

Personal care

Salons, spas, fitness, and wellness

  • Memberships, packages, and card-on-file with updater-friendly flows
  • Low-friction tips and add-on sales at checkout
  • Online booking deposits that match your risk profile
  • Expansion financing for second locations or equipment

Professional services

Medical, dental, legal, accounting, and consulting

  • Healthcare-style practices often need tighter data-handling conversations. We align gateway choices with what your counsel requires
  • Recurring retainers and client payment plans
  • Level II/III style data when your processor and MCC support it
  • Practice growth and equipment alongside acceptance

Home services

HVAC, plumbing, electrical, and contractors

  • Field mobile swipers and text-to-pay invoice links
  • Progress draws and milestone billing on larger jobs
  • ACH for commercial GC relationships and net-term customers
  • Job materials and payroll smoothing via working capital when eligible

Nonprofits

Donations, events, and recurring giving

  • Donation pages, hosted pay links, and event checkout
  • Recurring gifts with dunning-friendly retry patterns
  • Transparent effective rates so boards see full cost of card giving
  • Grant or program timing support through capital partners when appropriate

Free resources

Learn before you commit

Short explainers and calculators to help you read a statement, compare options, and ask better questions — no sign-up required.

Learning CenterMoney, cards, ACH, and funding — plain English

Pair with implementation

Most accounts need a capture path: card processing, ACH, or ecommerce. We keep those conversations in one thread so keys, MIDs, and risk settings line up.