general practice area category

Payment Processing

With payment processing over the internet, disputes in the hundreds of thousands, or even millions, of dollars often arise between merchants and their processors or banks. Kronenberger Rosenfeld assists clients in these high-stakes disputes.

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Kronenberger Rosenfeld helps clients with six- and seven-figure payment processing disputes.

We litigate high-stakes, high-value payment processing disputes, involving disputed amounts in the six or seven figures. Our familiarity with applicable state and federal law, as well as merchant regulations issued by the card associations, such as Visa, MasterCard, Discover, and American Express (AMEX), give us an advantage over other firms.

Tap into our payment processing litigation experience and technical savvy for your high-stakes payment processing dispute.

The typical payment processing agreement is a dense contract of adhesion—meaning the merchant has little to no bargaining power on its terms—and is filled with boilerplate legalese—meaning it can be difficult to understand if you are not familiar with the jargon. However, all payment processing contracts are not the same, and unfortunately, many payment processing agreements contain draconian provisions that can prove ruinous to the merchant if the processing relationship takes a bad turn. Such provisions include, but are not limited to:

  • Excessive termination penalties and fees
  • Automatically-renewing terms
  • The processor’s unilateral right to fund reserves and hold said funds in reserve indefinitely
  • The processor’s right to fund the reserve by pulling funds from bank accounts other than those already linked to the processing account (such as the settlement account)
  • The processor’s right to raise the agreed-upon fees with little or no written notice
  • Requirement of personal guarantees by individuals related to the merchant company
  • A requirement that all legal disputes be brought in an inconvenient forum, such as the Seychelles

We handle disputes that arise in the context of these complex agreements.


Even the best of internet merchants inevitably has a dispute with its processor. Kronenberger Rosenfeld has successfully resolved high-value merchant processing disputes for many of its clients, including by negotiating early releases of funds held in reserve. If you have a dispute with your payment processor that involves six or seven figures of value, give Kronenberger Rosenfeld a call.

We welcome you to submit the details of your payment processing matter using our online case submission form or by calling us at 415-955-1155, ext. 120.

Have a Payment Processing legal matter?

We welcome you to submit your details using our online case submission form

Submit your case online


by giving us a call at


ext. 120 for new legal matters

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