Timeshare remediation companies are busier than ever in 2026, with Florida’s SB 264 cancellation rules now fully enforced (signed late 2025, audits began January) and consumer complaints continuing to climb. But while client demand is strong, payment processing remains one of the biggest hidden threats. Mainstream processors (PayPal, Square, Stripe) still reject the industry outright, and many firms are stuck with overseas or aggregate accounts that seemed affordable—until freezes, hidden fees, or sudden closures wipe out cash flow for 60–180 days. One bad month can cost $50K–$200K in lost revenue. The good news: domestic high-risk providers designed for this space exist, and choosing the right one keeps your accounts stable and your funds accessible. Here’s how to spot the pitfalls and build bullet-proof payments in 2026.
Why Mainstream Processors Still Say No
PayPal, Square, Stripe, and most big-box names continue to list “timeshare services,” “debt settlement,” or “high-risk legal services” as prohibited. Even if you label the business as “consulting” or “real estate assistance,” MCC codes, chargeback patterns, or keyword scans catch it quickly. When they do, accounts are shut down—often with 30–90 days of funds held “pending review.” A California remediation firm lost $87K in late 2025 when Stripe closed them mid-month and held funds for 72 days. In 2026, with Florida SB 264 generating more cancellation disputes (and therefore more chargebacks), these bans are happening faster than ever.
The Hidden Dangers of Overseas & Aggregate Accounts
When mainstream doors close, many firms turn to overseas processors or U.S.-based aggregators (shared merchant accounts). They approve quickly and quote low base rates, but the risks are massive. Sudden closures can happen when any merchant in the pool gets hit with chargebacks or complaints. Rolling reserves often hold 10–20% of volume for 6–12 months, tying up $20K–$100K. Rates frequently start at 2.9% but climb to 4–6% with “risk adjustments,” and funds can be held 60–180 days during “reviews.” One Florida company using an aggregator saw their account terminated in February 2026 after a client filed a BBB complaint. Funds were frozen for 142 days—$142K unavailable during peak season. Overseas accounts are even riskier: no U.S. recourse, language barriers, and no effective way to fight chargebacks.
What to Look for in a Domestic High-Risk Provider
A true domestic high-risk processor changes the game. The best ones are built on U.S.-based acquiring banks (not offshore shells), offer no rolling reserves or volume caps, provide transparent interchange-plus pricing (typically 1–2% total), deliver same-day or next-day funding, assign dedicated account managers who understand timeshare remediation, and include built-in fraud tools and chargeback support. These features allow you to process $200K–$500K+ months without fear of sudden holds, even during Florida SB 264 disputes or client complaints.
Quick Vetting Checklist
Ask which U.S. banks they acquire through (avoid anyone who won’t name them). Confirm there are no rolling reserves and no hard volume caps. Request sample statements that show all fees (statement fee, PCI, gateway, etc.). Test by running a small batch ($1K–$5K) to verify funding speed. Finally, check chargeback support—do they fight disputes or just pass the cost to you?
Check Out Just A Few of The Companies That Trust & Use Leap Payments
The Backup Account Safety Net
Even the best processor can have a bad day. Top firms run a primary + backup setup: the main account handles 80–90% of volume, while the backup handles the rest and is ready to take 100% if needed. Switching takes minutes when you use the same gateway. A backup saved one remediation company $95K in 2025 when their primary processor flagged a spike in chargebacks from a single unhappy client.
Real-World Escape from the Trap
A mid-size Florida remediation firm was on an aggregator charging 4.2% + 15% reserve. Florida SB 264 triggered more disputes → processor froze $68K for 112 days. They switched to Leap: 1.4% rate, no reserve, same-day funding. Year-one savings: $41K in fees + no more holds. They added a backup account and grew revenue 28% in 2025 despite the new rules. The trap became their advantage.
Leap Payments specializes in exactly this kind of business:
- Reliable U.S. domestic accounts — no offshore risk
- No startup fees — zero upfront cost to switch
- 1–2% locked rates — predictable savings vs. 3–6% elsewhere
- Same-day funding — cash when you need it for refunds or marketing
- Free equipment* — terminals & gateways (*for qualifying merchants)
Dedicated managers monitor your account and help fight chargebacks so you don’t lose revenue.
Leap Payments: Your Stable Foundation
Don’t let processor instability steal your growth in 2026. Leap Payments gives you reliable domestic accounts, no startup fees, same-day funding, 1–2% rates, and free equipment for qualifying merchants — so you can focus on helping owners exit, not fighting freezes. Visit LeapPayments.com or call (800) 993-6300 for same-day approval and a free fee audit. Your timeshare remediation business deserves payments that don’t hold you back.
Stay Open, Stay Profitable
Florida SB 264 enforcement and the high-risk reality aren’t going away. But neither is the $10B opportunity. Choose a processor that keeps your accounts live and your funds flowing — and watch your business scale while others stall. Leap Payments is built for exactly that.
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