Mallow Help Center
Your Mallow Account

Account bans and restrictions

As long as you comply with PCI DSS standards and follow the Terms and Conditions outlined during your onboarding and underwriting, your merchant account will remain in good standing. However, there are specific circumstances where an account may be suspended or permanently closed.

Account Suspension (Billing)

Your Mallow access and merchant processing can be suspended if you fail to pay your SaaS subscription fee (the monthly or annual fee for using the Mallow platform). Usually, these issues are resolved quickly by updating your payment method.

Account Bans & Permanent Closure

A merchant account may be permanently banned if the platform is used to process payments for prohibited or high-risk industries. Our processor, Fiserv, maintains a list of restricted products and services to comply with federal regulations and card network rules.

Commonly prohibited or high-risk industries include:

  • Controlled Substances: Drugs, alcohol, and cannabis

  • Financial Products: Securities, investments, and cryptocurrency

  • Adult Content: Adult entertainment or related services

  • Regulated Goods: Weapons and unverified pharmaceutical products

  • Gambling: Betting, prediction markets, and lotteries

  • Specialized Services: Real estate, insurance, and telecommunications

  • High-Risk Retail: Complex e-commerce models (e.g., multi-level marketing or high-volume, multi-currency retail)

Compliance Violations

Your account could also be at risk if you fail to uphold security standards, such as:

  • Illegal Activity: Processing transactions for fraudulent or illegal purposes

  • Excessive Disputes: Maintaining an unusually high chargeback-to-sales ratio

  • PCI Non-Compliance: Consistently failing to meet required security data standards

Login lockout is not an account ban

If you see a message that says Too many login attempts after repeated failed sign-ins, your account is temporarily locked for security reasons. This is different from a billing suspension or permanent ban. See Why you may temporarily be locked out of your account for details.

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