Handling declines without losing the merchant

Not every file funds. How you handle a decline decides whether the merchant comes back.

Tell them quickly and honestly

Call, do not just email. Explain what you can share, and what would need to change.

Look for another fit

A decline from one funder is not a decline from all. Check whether another funder on your panel looks at this profile.

Set a follow up

If the business needs more time in business or steadier deposits, set a date to revisit. Some of your best deals will be merchants you declined months ago.

Keep the pipeline full

Declines are part of the business, which is why a steady flow of new leads matters. See how to budget your monthly lead spend.