RMP stands for Risk Management Pool. It helps us manage the risks involved in processing payments, especially for higher-risk businesses. We charge an RMP fee to cover costs that do come up, like legal fees, bank fees, losses from fraud, or other unexpected expenses related to handling payments for riskier businesses. Think of it as a safety net to cover these expenses.
 

Does the RMP get returned to you? 
If underwriting determines that your company is no longer a risk the answer is Yes. However, it is returned as a fee credit only after 365 days, not as cash. In that event it can only be used towards future fees. We do not refund the R M P to your bank or card on file. If after regular underwriting reviews it is determined that your company remains a risk, the answer is no. We will not return the RMP Fee.
 

Will we ever remove the RMP? 
If your business demonstrates stability and reduced risk over time, yes, we will remove the RMP Fee.
 

Is RMP a reserve? 
No, it is not. Many banks and processors charge a reserve of 5% to 10% or more, but we do not charge reserves on eDebit accounts.