UCC Lien Merchant Account
Accept Payments Again — Even With a UCC Filing on Your Business.
A UCC lien shouldn’t shut down your entire business… but for most processors, it does.
If you’ve been:
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Denied for a merchant account because of a UCC filing
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Shut down by Stripe, Square, or Shopify
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Hit with frozen deposits because of a UCC filing
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Told you’re “too high risk” because of MCA/UCC debt
You’re not alone.Traditional processors treat a UCC filing as a major red flag. But with Shield Merchant’s Protected Merchant Account, you can accept payments normally again—even with UCC filings, stacked MCAs, or lenders attached to your receivables.
Why UCC Filings Cause Merchant Account Shutdowns
Most business owners don’t even know they have a UCC lien until:
❌ Their funds get frozen
❌ Their deposits stop
❌ Their processor asks for “financial documentation”
❌ They receive an email saying their account is terminated
Payment processors freeze or deny accounts when they see:
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MCA lenders with rights to receivables
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UCC blanket liens on the business
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Multiple UCC filings (stacked loans)
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Daily ACH withdrawals draining cash flow
To them, it signals financial distress — they want out and away from the liability.
Shield Merchant was built for this exact situation.
Introducing:
The Protected Merchant Account
Designed specifically for business owners with UCC filings, MCA debt, or previous processor shutdowns. With our Protected Merchant Account, you get:
✔ Approval even with UCC liens
✔ Protection from MCA lender interference
✔ Stable processing with no surprise freezes
✔ Fast account setup (24–48 hrs)
✔ Works for all major business types
✔ Dedicated support to help you stay running
Common Problems We Fix
“Stripe/Square/Shopify permanently banned my business.”
We specialize in post-ban approvals.
“Multiple lenders filed UCCs—no processor will touch me.”
We work with businesses with stacked UCC filings every day.
“I tried to negotiate with the lender but they won't help.”
We give negotiation power back to you.
“My payment processor froze my deposits because of a UCC lien.”
We get you processing again—fast.
“UCC filings are stopping me from getting approved anywhere.”
Our banks approve what others decline.
“MCA lenders are draining my bank account daily.”
We have experts that can help.
Who is this for?
A Shield Merchant Protected Account is perfect for business owners dealing with:
UCC blanket liens
Declined merchant account applications
Merchant cash advances
Daily ACH withdrawals draining cash flow
Payment processor freezes
Previous Stripe/Square/Shopify terminations
"If your business feels stuck, frozen, or blocked — this is the solution."
