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Here in Canada one of the main reasons your Merchant credit card processing application was declined or Rejected in toronto canada is usually Poor personal credit. Active collection on your credit report will tell the bank that you can not be trusted with a Payment Processing merchant account. The trust issue is about fraud or misuse of your with POS terminals in Ontario, Canada. They link a bad / poor credit report with a higher percentage of fraud. As an example credit card processing in toronto can pay you next day in your bank. But there is not a link to delivery of services. You may Accept debit with POS terminals in Ontario, Canada but not provide the services charged for.
This leads to the other reason why your application is denied. Your names are on MATCH (The Member Alert to Control High-Risk (Merchants) File ) This list is controlled by the banks to warn other bank that you have had a charge back or dispute with any bank that is unresolved.
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