There are lots of folks who sign up for a payment processor account, try it out, and then either switch providers or pivot businesses entirely - they never proc

There are lots of folks who sign up for a payment processor account, try it out, and then either switch providers or pivot businesses entirely - they never process a single transaction. Risk assessment is a manual process, so it's generally not done until an account has _processed_ some transactions. EDIT: When I worked at a payment processor, two common reasons for bouncing new accounts were (1) selling things on the PPL (Prohibited Product List) and (2) connections to persons or businesses that have already been kicked off payment platforms.