Digital goods and in-game items: merchant account help after website compliance issues
Refused over website compliance issues? Xavion helps digital goods and in-game item sellers assess the obstacle, prepare the relevant evidence and seek a suitable merchant account. We review your business before accepting the case, rather than send the same application to another provider.
We review your business first. Approved cases are guaranteed onboarding.
- Decline reason
- Website compliance issues
- Your sector
- Digital goods and in-game items
- Account type
- merchant account
- First step
- Business assessment
- Service
- Evidence preparation & placement
- Guarantee
- Onboarding for approved cases after review
A placement plan for your business, not another blind application
Decline assessment
Check the live purchase journey for business identity, pricing, delivery, refund terms and required sector disclosures.
Application evidence
A website exception list with the affected pages and evidence needed to close each issue.
Sector-specific placement brief
Connect payment to delivery or activation of the digital item and document the right to distribute it. We use publisher or distributor agreements, fraud controls and delivery logs to explain the model, not just its industry label.
What we need to establish before accepting your case
- Do the live pages and checkout match the business model described in the application?
- The answer determines which evidence is missing and whether this is a correctable application issue or a restriction that prevents placement.
- What money will this merchant account handle?
- Connect payment to delivery or activation of the digital item and document the right to distribute it. The key distinction is whether disputes arise from unauthorised sales, stolen accounts or failed delivery.
- What does a workable account need to support?
- Tell us the customer markets, processing currencies, monthly volume, maximum ticket, delivery timing and acceptable settlement delay. We assess these against the actual business model.
Evidence we may need
Send the decline and a short business summary first. We confirm which records are relevant; not every item applies to every case.
- +Terms and conditions
- +Privacy and refund policies
- +Screenshots of the remediated pages
- +Publisher or distributor agreements
- +Fraud tooling
- +Delivery logs
What this service cannot bypass
- -Cosmetic changes do not make prohibited goods or misleading offers acceptable.
- -We do not conceal ownership, funds origins or the real business activity. Unlawful activity cannot be fixed by a better application.
If the model itself is not lawful or licensable, no application fixes that, and we will say so at the review stage.
Our approach to website compliance issues
Check the live purchase journey for business identity, pricing, delivery, refund terms and required sector disclosures. The practical output is a website exception list with the affected pages and evidence needed to close each issue.
For digital goods and in-game item sellers, we connect that work to publisher or distributor agreements, fraud controls and delivery logs. The decision is not simply whether a provider accepts your industry: it is whether disputes arise from unauthorised sales, stolen accounts or failed delivery. If the records do not answer the issue, we identify the gap before presenting an application.
Card acceptance and settlement, not just an account
Card acceptance is a separate underwriting decision from opening a bank account. We clarify the merchant of record, processing history, average and maximum ticket, refund exposure and settlement needs. The provider's proposed limits, reserves and release terms need to work with your cash flow; a bank account alone does not enable card acceptance.
From review to provider onboarding
We review the decline, ownership and operating model first. We then identify the evidence gaps, prepare a provider-facing explanation and seek a placement route that fits the activity and required payment features. Any proposed terms need to be reviewed before you commit.
For cases Xavion approves after reviewing the business, we guarantee successful onboarding with a suitable bank or payment provider. Not every case is accepted. Xavion is an intermediary, not a bank or acquirer; providers perform their own checks and decide the facilities and terms they offer.
General information, not legal or tax advice. Every bank and payment provider makes its own final decision; Xavion is an intermediary, not a bank, acquirer or processor.
- Can you help digital goods and in-game item sellers after website compliance issues?
- We can assess the case and the evidence needed for a suitable placement route. Check the live purchase journey for business identity, pricing, delivery, refund terms and required sector disclosures. Cosmetic changes do not make prohibited goods or misleading offers acceptable. We only accept a case after reviewing the business; a previous refusal does not by itself establish that a replacement account is available.
- What should I send for the first assessment?
- Start with the decline or termination correspondence, your company country, website and the merchant account features you need. For this issue, relevant evidence includes terms and conditions, privacy and refund policies, screenshots of the remediated pages. Tell us what is unavailable rather than creating or altering records. We confirm what is needed for the actual case.
- What is different about placing digital goods and in-game item sellers?
- Connect payment to delivery or activation of the digital item and document the right to distribute it. We need to understand whether disputes arise from unauthorised sales, stolen accounts or failed delivery. Relevant supporting material includes publisher or distributor agreements, fraud controls and delivery logs. This lets us present the operating model accurately instead of submitting only a generic industry description.
- What is guaranteed, and how long will it take?
- Xavion guarantees successful onboarding for cases it approves after reviewing the business, not for every applicant. We do not promise a particular provider, account feature or completion date before review. Timing depends on evidence gaps, any required legal or regulatory work, and the provider's checks.
Let’s assess your route to a suitable account
Tell us where your business operates, what the provider said about website compliance issues, and what you need the merchant account to do. Start with a summary; do not send identity documents through chat.