Case Patterns · Compliant Payments
Real Case Patterns (Anonymized): What Gets Approved — and What Gets Paused
Four anonymized scenarios we see at IRent Agency. Use them to benchmark your setup: green flags vs red flags, what review teams like, and the quick fixes that move you from “paused” to “approved”.
Case 1 — Clean catalog, fast approval (Approved)
Snapshot
- Geo: US → CA
- MCC: 5945 (Hobby/retail)
- Refund window: 30 days
- Descriptor: BRAND*StoreName
Signals
✅ Green flags- Clear policy pages
- 3 sample orders w/ tracking
- Consistent domain/legal/bank
Outcome: live in 48 hours. Limits increased after clean 2-week ramp.
Case 2 — New supplier, borderline MCC (Paused, then Approved)
What triggered the pause
🟠 Amber flags- MCC mismatch vs product copy
- No supplier proof on file
- Ad spike on day 1
Fixes that worked
- Reclassified MCC to correct code
- Uploaded invoices & distribution letter
- Set velocity cap + test orders
Case 3 — Warranty claims + vague refunds (Paused)
Red flags
⛔ Red flags- Warranty language without terms
- Refund policy “case-by-case” only
- Descriptor didn’t match site name
What we changed
- Published warranty/returns template
- Set 30-day window + RMA steps
- Aligned descriptor + contact info
Re-reviewed and approved after docs were live.
Case 4 — Mixed brands under one gateway (Declined → Split & Approved)
Problem
- Two distinct brands in one account
- Different descriptors & policies
- Chargebacks at 0.9% on Brand B
Remedy
- Split into 2 properties (separate MCCs)
- Unique descriptors & support emails
- Evidence playbook cut CB to 0.4%
Green vs Red — fast reference
| Area | Green | Red |
|---|---|---|
| MCC | Matches catalog | Low-risk cover |
| Refunds | Clear window | Case-by-case |
| Descriptor | Brand*Store | Generic name |
| Evidence | Tracking + POD | Missing docs |
| Velocity | Ramp plan | Day-1 spike |
| Identity | Domain=Legal=Bank | Mismatched |
Typical review timeline
Should you submit now or fix first?
Submit now
- MCC picked & consistent
- Refund & shipping pages live
- 3 sample orders ready
Fix first
- Descriptor undecided
- No supplier docs
- Ads launch same day
Don’t launch
- Borderline/prohibited items
- No refund path
- Identity mismatch
Need a neutral agreement review?
We match and operate on warmed payment lanes under dual KYC and signed agreements— we don’t sell or rent accounts. Our job is clean approvals, stable payouts, and disciplined scaling.
Talk to a specialist or WhatsApp us at +1 (807) 804-0208
Support / Sales / Partnership: support@irent.agency
Cooperation / Advertising: marketing@irent.agency
Opening hours: Mon–Fri, 09:00–17:00 (GMT+1)
Cooperation / Advertising: marketing@irent.agency
Opening hours: Mon–Fri, 09:00–17:00 (GMT+1)