How to open a payment account that doesn't get shut down, and what banks want to see from you.
What you finish with
An approved payment account, opened with full disclosure, plus a documented backup path.
Almost every shutdown traces to the same causes: the processor learned something the application didn't disclose, the site contained claims, or dispute rates crossed a threshold. Each is preventable.
You will describe exactly what you sell, to whom, and under what restrictions — then supply the documents that back it. Disclosure is slower to approve and far more durable than the alternative.
Expect a rolling reserve and delayed payouts early on. Plan working capital around the worst case so a hold doesn't stop your restocking.
Maintain a second approved path and keep your documentation current so you can switch without a week of downtime.