Most ecommerce sellers lose sleep over finding customers. Cute. The real gatekeeper is your payment processor. That’s the company that lets you take credit cards, and they judge harder than a reality show host on a bad day.

To them, you’re not a bold entrepreneur chasing glory. You’re a risk profile. They don’t care about your shiny logo or your dreams of scaling to the moon. They care about one thing: whether you’re going to cost them money.