Every Processor Wants History.
We Help You Create It.
Purpose-built for startups, high-risk industries, and businesses without processing history.
Built for businesses
processors avoid.
Your account is distributed across 20+ acquiring institutions simultaneously. No single bank's policy change can terminate your processing. The network is the safeguard.
Every transaction is routed through the acquiring relationship that produces the highest approval rate for your specific card mix and business category — in real time.
Machine learning evaluates your application across multiple bank risk models simultaneously. Most decisions returned within 24 hours — without sacrificing underwriting depth.
Transaction-level monitoring, descriptor optimization, and dispute response infrastructure. Alerts trigger at 0.65% — well before card network program thresholds.
Acquiring relationships across North America, Europe, Asia, and Latin America. Multi-currency processing and region-specific payment methods for international merchants.
Every merchant account has a dedicated manager — not a ticketing system. 24/7 availability for account issues, escalations, and processing questions. Someone picks up.
Direct gateway access with API integration for every major platform — Shopify, WooCommerce, Magento, and custom builds. Full technical support through activation and beyond.
If one acquiring institution exits your category, processing migrates automatically within the network — without merchant intervention, without interruption, without notification required.
Standard processors
are single-bank
instruments.
Every standard processor ties your account to one acquiring bank. When that bank changes its risk policy — your account disappears. No appeal process changes that structural fact.
Daystar operates as a placement layer between merchants and 20+ acquiring institutions. Your account is distributed across multiple relationships simultaneously. When one institution exits your category, processing continues through another — automatically.
Check Your Placement Options →Businesses Conventional
Processors Cannot
Reliably Sustain
Daystar specializes in industries that standard processors avoid, misunderstand, or under-serve. Every vertical has nuanced underwriting requirements — we know them.
View All IndustriesLive and Processing
in 2–5 Business Days
Applications are evaluated using business history, processing volume, transaction characteristics, and operational structure. AI-assisted underwriting means faster decisions without sacrificing institutional rigor.
See If Your Business Qualifies →The online application takes 5 minutes. A Daystar representative confirms receipt the same day and initiates the underwriting file immediately.
Same Day InitiationAI-assisted underwriting evaluates your application across multiple acquiring bank risk models simultaneously. Most decisions returned within 24 hours.
24hr DecisionUpon approval, your merchant account is activated and gateway credentials issued. Integration support available for every major platform — Shopify, WooCommerce, Magento, and more.
Full Integration SupportStart processing transactions immediately. Your live dashboard shows transaction data, approval rates, chargeback ratios, and account health in real time.
Live DashboardThey Were Declined.
Then They Called Daystar.
Real merchants. Real outcomes. Initials used at their request.
"Stripe shut us down without warning. No email, no phone call — just a frozen account on a Friday afternoon with $47,000 in pending settlements. Daystar had us processing the following Wednesday. They understood our business from the first call."
"Three terminations in 18 months. I thought we were just unlucky. Daystar explained exactly why it kept happening — our chargeback ratio was fine but our subscription model flagged their automated risk systems. They structured our account differently. That was two years ago."
"We were at 2.8% chargeback ratio and our previous processor threatened termination. Daystar's AI flagging identified the exact transaction patterns causing the disputes. They weren't fraud — they were descriptor confusion. Fixed the descriptor, disputes dropped 75%."
Ratio management
before the account
is at risk.
Most processors respond to chargebacks after the threshold is breached. Daystar monitors upstream — transaction patterns, descriptor friction, refund velocity — and addresses root causes before ratios reach institutional review thresholds.
Every transaction is scored against fraud and dispute probability models. High-risk transactions are flagged before completion — not after the chargeback arrives.
Descriptor confusion is the leading cause of preventable chargebacks in subscription and nutraceutical businesses. We identify the friction point and restructure billing descriptors before it becomes a ratio problem.
Compelling evidence compilation, response formatting, and win-rate optimization across card network dispute processes — 78% chargeback dispute win rate across the merchant portfolio.
Alerts trigger at 0.65% — well before Visa's 1.0% and Mastercard's 1.5% program thresholds. Merchants receive 30–60 days of lead time before any institutional review is triggered.
Better Numbers.
Fewer Losses.
More Revenue Kept.
Machine learning evaluates your application across multiple bank risk models simultaneously — returning decisions in hours rather than weeks.
Behavioral pattern analysis catches fraudulent transactions before they complete — reducing chargebacks without blocking legitimate customers.
Transaction routing logic learns which acquiring relationships produce the highest approval rates for your specific customer base and card mix.
Identifies transactions statistically likely to result in disputes before chargebacks are filed — enabling proactive resolution and ratio management.
Built to Solve
a Structural Failure
"We watched merchants lose everything not because their businesses were failing — but because their processor's internal risk model changed overnight."
Daystar was built specifically to solve the structural failure of single-bank payment processing. Standard processors are banks with risk departments. They optimize for their own institutional stability — not merchant continuity.
We operate as a placement infrastructure layer between merchants and acquiring banks. Our function is routing, not risk-taking. We find the institutional relationship that matches your business profile — and we protect it through network redundancy.
Every feature, every integration, every underwriting decision was built with one question: what does a business need to process payments reliably, permanently, and without institutional dependency on a single bank's internal policy changes?
Every operating business depends on payment infrastructure. When it fails, operations stop immediately — regardless of how healthy the underlying business is.
Standard processors tie merchant accounts to a single acquiring relationship. When that relationship changes its risk policy, merchants have no fallback. Daystar eliminates this dependency by design.
Daystar operates within the foundational layer of merchant acquiring — providing placement, routing, monitoring, and continuity. Not just a merchant account. A full infrastructure position.
Headquartered at 6303 Blue Lagoon Drive, Miami. Acquiring relationships across North America, Europe, Asia, and Latin America. Reachable 24 hours a day, 365 days a year.
Payment Processing
Should Not Be a
Source of Uncertainty
Daystar provides merchant account infrastructure designed for long-term continuity. One application. 24-hour decision. Processing that stays open.
Underwriting review begins upon submission · No setup fees · No contracts
Talk to Someone
Who Knows
Your Industry
Daystar's team is reachable 24 hours a day. New account, processor switch, or a question about a specific vertical — someone picks up. Response time on applications is same business day.
Miami, Florida 33126