The payment infrastructure decisions a merchant makes immediately after an account termination often reflect the urgency of the situation rather than a considered assessment of long-term stability. Merchants who rush to restore payment acceptance through whatever conventional option is immediately available may find themselves in another processor relationship with the same structural fragility that ended the previous one. The elevated fees, rolling reserves, and intensive monitoring that characterize conventional terminated merchant account payment processing options create conditions under which a second termination is a realistic risk.
27 Blockchain's approach to payment processing for merchants with terminated accounts is to build infrastructure on a foundation that does not replicate the conventional processor dependencies that led to the termination. The blockchain gateway does not carry the chargeback exposure that makes conventional processors terminate high risk merchant accounts, because blockchain transaction finality removes the unilateral reversal mechanism that generates chargebacks in the first place. The merchant who deploys 27 Blockchain's payment solution after a termination is not rebuilding on the same kind of infrastructure with a different provider. They are building on a different kind of infrastructure entirely, one whose stability is not contingent on maintaining favor with a financial institution that can terminate the relationship at any time.
