Merchant account rescue and prep: shutdown checklists, fit hints, policy and dispute-ratio checks.
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Use when a merchant asks what documents to prepare before applying for a high-risk merchant account. Inputs are the business type, the country or entity, and the processing history (new business, processing now, recently shut down, or under a fund hold or limitation). Returns a document checklist tailored to those answers, a list of things never to paste into the chat, and a link to the RetryHub application. Describes documents by type only. Does not collect or review documents, approve an account, or quote fees. Do not send card numbers, government IDs, or bank details.
Business type or niche, such as supplement subscriptions or online coaching.
Country of the business entity, such as United States or Germany.
Whether the business is new, processing now, recently shut down, or under a hold or limitation.
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
claude mcp add --transport http retryhub https://chatgpt.retryhub.com/mcp
Use when a merchant asks what documents to prepare before applying for a high-risk merchant account. Inputs are the business type, the country or entity, and the processing history (new business, processing now, recently shut down, or under a fund hold or limitation). Returns a document checklist tailored to those answers, a list of things never to paste into the chat, and a link to the RetryHub application. Describes documents by type only. Does not collect or review documents, approve an account, or quote fees. Do not send card numbers, government IDs, or bank details.
| Argument | Type | Description |
|---|---|---|
| business_type* | string | Business type or niche, such as supplement subscriptions or online coaching. |
| country_or_entity* | string | Country of the business entity, such as United States or Germany. |
| processing_history* | string | Whether the business is new, processing now, recently shut down, or under a hold or limitation. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"business_type",
"country_or_entity",
"processing_history"
],
"properties": {
"business_type": {
"type": "string",
"maxLength": 200,
"minLength": 1,
"description": "Business type or niche, such as supplement subscriptions or online coaching."
},
"country_or_entity": {
"type": "string",
"maxLength": 80,
"minLength": 1,
"description": "Country of the business entity, such as United States or Germany."
},
"processing_history": {
"enum": [
"new_business",
"processing_now",
"recently_shut_down",
"fund_hold_or_limitation"
],
"type": "string",
"description": "Whether the business is new, processing now, recently shut down, or under a hold or limitation."
}
},
"additionalProperties": false
}Use when a merchant asks what to do after a Stripe, PayPal, or Shopify Payments shutdown, limitation, account review, or fund hold. Returns a practical checklist: what to save, how to answer the processor, how reserves and holds work in general, how to keep legitimate sales from stalling, and a backup-processor step that links to RetryHub when the situation is in scope. This is not legal advice and it does not predict when held funds will be released. Do not send card numbers, government IDs, or bank details.
| Argument | Type | Description |
|---|---|---|
| notes | string | Optional short context. Do not include names, emails, card numbers, or government IDs. |
| processor* | string | The processor involved. Use other when it is not Stripe, PayPal, or Shopify Payments. |
| situation* | string | What the merchant is dealing with. |
| still_selling | boolean | True when checkout is still taking orders. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"processor",
"situation"
],
"properties": {
"notes": {
"type": "string",
"maxLength": 500,
"description": "Optional short context. Do not include names, emails, card numbers, or government IDs."
},
"processor": {
"enum": [
"stripe",
"paypal",
"shopify_payments",
"other"
],
"type": "string",
"description": "The processor involved. Use other when it is not Stripe, PayPal, or Shopify Payments."
},
"situation": {
"enum": [
"shutdown",
"fund_hold",
"limitation",
"account_review",
"other"
],
"type": "string",
"description": "What the merchant is dealing with."
},
"still_selling": {
"type": "boolean",
"description": "True when checkout is still taking orders."
}
},
"additionalProperties": false
}Use when a merchant gives a monthly transaction count and dispute count, or pastes a short summary of those figures, and wants the dispute ratio. Computes disputes divided by transactions, explains how that simple ratio differs from Visa VAMP and Mastercard ECM, and summarizes publicly described monitoring thresholds with source links. Suggests ordinary operational fixes. Does not determine whether a card network has identified the business, and it is not legal or financial advice. Do not send card numbers or other account credentials.
| Argument | Type | Description |
|---|---|---|
| summary | string | Optional pasted summary, such as 12 disputes out of 400 transactions, or 1.5%. |
| monthly_disputes | integer | Disputes or chargebacks in the same month, if the merchant gave a count. |
| monthly_transactions | integer | Settled transactions in the month, if the merchant gave a count. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"summary": {
"type": "string",
"maxLength": 1000,
"description": "Optional pasted summary, such as 12 disputes out of 400 transactions, or 1.5%."
},
"monthly_disputes": {
"type": "integer",
"maximum": 1000000000,
"minimum": 0,
"description": "Disputes or chargebacks in the same month, if the merchant gave a count."
},
"monthly_transactions": {
"type": "integer",
"maximum": 1000000000,
"minimum": 0,
"description": "Settled transactions in the month, if the merchant gave a count."
}
},
"additionalProperties": false
}Use when a merchant pastes the refund, cancellation, shipping, or terms text from their website and asks whether it is ready for a merchant account review. Inputs are the business type, the pasted policy text, and optionally whether they sell subscriptions, how they deliver (physical goods, digital or service, or both), and their card statement descriptor. Returns a found or missing result for the gaps reviewers commonly ask about (refund policy and window, how to cancel, renewal terms, delivery or access timing, contact method, descriptor) with a suggested fix for each. It is a keyword check, not a legal review, and it does not approve an account. The pasted text is not stored or repeated back. Do not include customer names, order details, card numbers, or bank details.
| Argument | Type | Description |
|---|---|---|
| policy_text* | string | Refund, cancellation, shipping, or terms text pasted from the merchant's own site. No customer names or order details. |
| business_type* | string | Business type or niche, such as supplement subscriptions or online coaching. |
| delivery_model | string | How customers receive what they buy. Leave unset if unknown. |
| sells_subscriptions | boolean | True when the business bills customers on a recurring basis. Leave unset if unknown. |
| statement_descriptor | string | The name that appears on the customer's card statement, if the merchant knows it. |
Use when a merchant asks whether to stay with their current processor (such as Stripe, PayPal, Shopify Payments, or Square) or move to a high-risk merchant account. Inputs are the current processor, the niche, and the current situation. Returns a qualitative side-by-side on onboarding, category tolerance, account stability, reserves, paperwork, pricing approach, and disputes, with a plain-language reading of which path to look at first. Gives no fee numbers or approval odds and is not financial advice. Do not send card numbers, government IDs, or bank details.
| Argument | Type | Description |
|---|---|---|
| niche* | string | Business niche, such as supplement subscriptions. |
| situation* | string | How things stand with the current processor. |
| current_processor* | string | The processor the merchant uses now. Use none for a business that has not processed yet. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"current_processor",
"niche",
"situation"
],
"properties": {
"niche": {
"type": "string",
"maxLength": 200,
"minLength": 1,
"description": "Business niche, such as supplement subscriptions."
},
"situation": {
"enum": [
"running_fine",
"worried_about_shutdown",
"shutdown",
"fund_hold",
"limitation",
"new_business"
],
"type": "string",
"description": "How things stand with the current processor."
},
"current_processor": {
"enum": [
"stripe",
"paypal",
"shopify_payments",
"square",
"other",
"none"
],
"type": "string",
"description": "The processor the merchant uses now. Use none for a business that has not processed yet."
}
},
"additionalProperties": false
}Use when a merchant asks whether a high-risk merchant account review may fit their business. Inputs are the niche, monthly processing volume, country or entity, the current processor if any, and what happened (for example a shutdown, a limitation, a fund hold, or a new business). Returns a qualitative fit of likely good fit, needs review, or outside this app's scope, the documents people typically prepare, a qualitative timeline, and a link to the RetryHub application when the category is in scope. Does not approve an account, quote fees, or promise a timeline. Do not send card numbers, government IDs, or bank details.
| Argument | Type | Description |
|---|---|---|
| niche* | string | Business niche or vertical, such as skincare subscriptions. |
| what_happened* | string | What happened: shutdown, limitation, fund hold, or a new business. No account numbers. |
| country_or_entity* | string | Country of the business entity, such as United States or Germany. |
| current_processor | string | Current or previous processor name, if the merchant mentions one. |
| monthly_processing_volume* | string | Monthly card volume in the merchant's own words, such as $80,000. |
Send the merchant's application request to the RetryHub team so they can follow up. This is the only tool that sends data. Before calling it you MUST: (1) ask whether the merchant wants RetryHub to contact them about an application; (2) collect only name, business name, email, an optional Telegram handle, monthly card volume, the current processor, and what happened (shutdown, hold, or other); (3) show the merchant every value you will send, exactly as you will send it; (4) get an explicit yes in chat. Set consent and user_confirmed to true only after that yes; otherwise the server rejects the request. Never include SSNs or tax IDs, bank account, routing, or IBAN numbers, card numbers, passwords, or ID documents, and do not add other fields. If sending is not available, the result gives the application link and the Telegram bot instead.
| Argument | Type | Description |
|---|---|---|
| name* | string | Contact name. |
| email* | string | Contact email for the follow-up. |
| consent* | boolean | True only if the merchant explicitly agreed in chat to send these details to RetryHub and be contacted. |
| business* | string | Business name. |
| telegram | string | Optional Telegram username, such as @shopowner. |
| what_happened* | string | shutdown, hold (fund hold or limitation), or other. |
Use when a merchant is ready to apply with RetryHub and wants to carry what they already said in this chat into the application. Inputs are non-sensitive answers only: niche, monthly volume band, country or entity, current processor, and situation. Returns a short summary the merchant can paste into the application or the RetryHub Telegram bot, plus both links. Nothing is stored and the answers are not added to the links. Does not submit an application, approve an account, or quote fees. Do not send names, emails, card numbers, government IDs, or bank details.
| Argument | Type | Description |
|---|---|---|
| niche* | string | Business niche, such as skincare subscriptions. |
| situation* | string | The merchant's processing situation. |
| country_or_entity* | string | Country of the business entity, such as United States or Germany. |
| current_processor | string | Current or previous processor name, if the merchant mentioned one. |
| monthly_volume_band* | string | Monthly card volume band in US dollars, mapped from what the merchant said. Use not_sure if unknown. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"niche",
"monthly_volume_band",
"country_or_entity",
"situation"
],
"properties": {
"niche": {
"type": "string",
"maxLength": 200,
"minLength": 1,
"description": "Business niche, such as skincare subscriptions."
},
"situation": {
"enum": [
"new_business",
"switching_processor",
"shutdown",
"fund_hold",
"limitation",
"account_review",
"other"
],
"type": "string",
"description": "The merchant's processing situation."
},
"country_or_entity": {
"type": "string",
"maxLength": 80,
"minLength": 1,
"description": "Country of the business entity, such as United States or Germany."
},
"current_processor": {
"type": "string",
"maxLength": 80,
"description": "Current or previous processor name, if the merchant mentioned one."
},
"monthly_volume_band": {
"enum": [
"under_10k",
"10k_to_50k",
"50k_to_250k",
"250k_to_1m",
"over_1m",
"not_sure"
],
"type": "string",
"description": "Monthly card volume band in US dollars, mapped from what the merchant said. Use not_sure if unknown."
}
},
"additionalProperties": false
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 3, 2026.
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"business_type",
"policy_text"
],
"properties": {
"policy_text": {
"type": "string",
"maxLength": 8000,
"minLength": 1,
"description": "Refund, cancellation, shipping, or terms text pasted from the merchant's own site. No customer names or order details."
},
"business_type": {
"type": "string",
"maxLength": 200,
"minLength": 1,
"description": "Business type or niche, such as supplement subscriptions or online coaching."
},
"delivery_model": {
"enum": [
"physical_goods",
"digital_or_service",
"both"
],
"type": "string",
"description": "How customers receive what they buy. Leave unset if unknown."
},
"sells_subscriptions": {
"type": "boolean",
"description": "True when the business bills customers on a recurring basis. Leave unset if unknown."
},
"statement_descriptor": {
"type": "string",
"maxLength": 40,
"description": "The name that appears on the customer's card statement, if the merchant knows it."
}
},
"additionalProperties": false
}{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"niche",
"monthly_processing_volume",
"country_or_entity",
"what_happened"
],
"properties": {
"niche": {
"type": "string",
"maxLength": 200,
"minLength": 1,
"description": "Business niche or vertical, such as skincare subscriptions."
},
"what_happened": {
"type": "string",
"maxLength": 600,
"minLength": 1,
"description": "What happened: shutdown, limitation, fund hold, or a new business. No account numbers."
},
"country_or_entity": {
"type": "string",
"maxLength": 80,
"minLength": 1,
"description": "Country of the business entity, such as United States or Germany."
},
"current_processor": {
"type": "string",
"maxLength": 80,
"description": "Current or previous processor name, if the merchant mentions one."
},
"monthly_processing_volume": {
"type": "string",
"maxLength": 80,
"minLength": 1,
"description": "Monthly card volume in the merchant's own words, such as $80,000."
}
},
"additionalProperties": false
}| monthly_volume* | string | Monthly card volume in the merchant's words, such as $80,000 or 80k. |
| user_confirmed* | boolean | True only after you showed the merchant every value below and they confirmed it is correct. |
| current_processor | string | Current or previous processor, such as Stripe. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"consent",
"user_confirmed",
"name",
"business",
"email",
"monthly_volume",
"what_happened"
],
"properties": {
"name": {
"type": "string",
"maxLength": 100,
"minLength": 1,
"description": "Contact name."
},
"email": {
"type": "string",
"format": "email",
"maxLength": 254,
"description": "Contact email for the follow-up."
},
"consent": {
"type": "boolean",
"description": "True only if the merchant explicitly agreed in chat to send these details to RetryHub and be contacted."
},
"business": {
"type": "string",
"maxLength": 80,
"minLength": 1,
"description": "Business name."
},
"telegram": {
"type": "string",
"maxLength": 33,
"description": "Optional Telegram username, such as @shopowner."
},
"what_happened": {
"enum": [
"shutdown",
"hold",
"other"
],
"type": "string",
"description": "shutdown, hold (fund hold or limitation), or other."
},
"monthly_volume": {
"type": "string",
"maxLength": 60,
"minLength": 1,
"description": "Monthly card volume in the merchant's words, such as $80,000 or 80k."
},
"user_confirmed": {
"type": "boolean",
"description": "True only after you showed the merchant every value below and they confirmed it is correct."
},
"current_processor": {
"type": "string",
"maxLength": 80,
"description": "Current or previous processor, such as Stripe."
}
},
"additionalProperties": false
}