Business banking for high-ticket e-commerce and digital services

Explain whether the business sells physical stock, dropshipped goods, coaching, digital products or subscriptions. Identify who contracts with customers and who is merchant of record. Processor settlements, direct invoice receipts and marketplace payouts should each be described, including settlement currencies and beneficiary-name requirements.

High transaction values, deferred delivery, recurring billing and restricted products can affect eligibility. Supply accurate terms, refund arrangements and evidence of fulfilment. A legitimate business should be explained as it operates, not reclassified as consulting to fit a form. Account support does not override restrictions on the goods or services sold.

A suitable arrangement may support USD, EUR and GBP local account routes and approved international payouts. Map customer or processor receipts against stock purchases, fulfilment costs, software fees and contractor payments. Agency and SaaS businesses with simpler invoice or subscription flows can also use the shared multi-currency assessment.

Confirm compatibility with the processor or marketplace before changing receiving instructions. Ask about conversion terms, transfer limits, payout destinations and the legal provider. Access to local currency details does not establish domestic residency, lending, a merchant account or universal deposit protection. Each product and account status needs separate confirmation.

For physical sales, show supplier relationships, shipping timelines and delivery evidence. For high-ticket coaching or digital services, show the contracted deliverable, cancellation rights, access or completion records and any deferred obligations. Where subscriptions are involved, explain billing disclosure and customer cancellation handling.

Processing statements and dispute history can help the institution understand settlement receipts and potential refund liabilities. Business banking is not acquiring: card acceptance, rolling reserves and gateway approval require their own review. A replacement account cannot force a processor to release held funds or erase an unresolved restriction.

Tell us the entity and ownership countries, website, products, sales values, settlement platforms, currencies and suppliers. Disclose any previous refusal, reserve or closure. If crypto receipts are required, describe the payer, commercial contract, asset network and conversion path separately from ordinary card settlements.

Xavion assesses the account purpose and identifies a suitable institution. Product support, destination coverage, fees and onboarding timing are confirmed individually. Start with a concise business summary, not confidential identification attachments. Our approved-case guarantee applies only after free review, with a suitable account, not every applicant or a chosen provider. Any paid placement work is separately agreed.