Model comes before pricing
The first question is whether funds pass through your business on the way to someone else. Collecting for your own supply is a straightforward merchant relationship. Receiving money and paying third parties is a different activity, and can sit inside a regulated perimeter.
Getting this wrong is expensive: it produces an onboarding that is accepted and then terminated.
Delivery timing drives reserves
The gap between payment and delivery is a primary driver of dispute exposure. Longer gaps normally attract a reserve, and the reserve terms matter more to cash flow than the headline rate.
Coverage is per market, not global
Provider coverage is entity-jurisdiction dependent and market specific. A provider that supports your model may not support your settlement currency or the markets you sell into.
Treat coverage as a shortlist filter rather than a detail to confirm later.
Related reading
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Why business account applications get declined
Most declines trace back to a small number of avoidable problems in the application, not to the business itself. Here is what institutions examine and what you can fix first.
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When moving money requires a licence
The perimeter question comes before the application question. This explains the distinctions regulators actually draw.