Merrisk Score
925/1000
Low Risk · Fully Verified
The Plumbing Co. is a licensed plumbing company serving the Las Vegas valley since 2018. They specialize in residential and commercial plumbing, including water heater installation, drain cleaning, and 24/7 emergency repairs.
Score breakdown
Payment History
247
out of 250
Revenue Stability
218
out of 250
Risk Indicators
219
out of 250
Business Profile
210
out of 250
Detailed Metrics
Chargeback Rate
0.34%
✓ Low
Refund Rate
1.9%
✓ Low
Payment Success Rate
98.2%
✓ High
Revenue Consistency
88/100
✓ Good
Bank Deposit Regularity
95/100
✓ High
Dispute Resolution Rate
92%
✓ Good
Processor Suspensions
0
✓ Clean
Account Overdrafts (12mo)
2
⚠ Minor
Score history — last 6 months
Score Trend
↑ Rising
Last Change
+12 pts
6-mo High
931
6-mo Low
890
Recent Verified Transactions
| Date | Processor | Type | Amount | Status |
|---|---|---|---|---|
| Mar 4, 2026 | Stripe | Sale | $•••.•• | ✓ Settled |
| Mar 4, 2026 | PayPal | Sale | $•••.•• | ✓ Settled |
| Mar 3, 2026 | Stripe | Subscription | $•••.•• | ✓ Settled |
| Mar 3, 2026 | Square | Sale | $•••.•• | ✓ Settled |
| Mar 2, 2026 | Stripe | Refund | $•••.•• | ↩ Refunded |
| Mar 2, 2026 | PayPal | Sale | $•••.•• | ✓ Settled |
| Mar 1, 2026 | Stripe | Sale | $•••.•• | ✓ Settled |
| Mar 1, 2026 | Square | Sale | $•••.•• | ✓ Settled |
🔒 Transaction amounts masked to protect merchant privacy. Frequency and settlement status are verified.
Risk Factors & Strengths
✓ 5+ Years Verified Processing History
Continuous processing since January 2021 across 3 processors with no gaps or interruptions.
✓ Chargeback Rate Well Below Industry Average
0.34% vs. industry average of 0.60%. Top tier standing for payment processor approval and underwriting.
✓ Verified Bank Account with Consistent Deposits
5-year-old Chase business account showing regular, growing monthly deposits verified read-only via Plaid.
✓ Zero Processor Suspensions or Terminations
No holds, reserves, or account terminations detected across any connected payment processor.
✓ Active Payroll Detected
Regular payroll transactions confirm this is an actively staffed, operating business.
⚠ 2 Bank Overdrafts in Last 12 Months
Minor cash flow events detected in Q2 2025. Not disqualifying — noted for full transparency. No pattern of recurring overdrafts detected.
What this score means for you
Qualifies for net-30 / net-60 trade credit terms
Expedited vendor onboarding
Eligible for lower processing reserve holds
Strong signal for B2B credit decisions
Connected & Verified
4.2 years old
✓ Verified
5.1 years old
✓ Verified
2.8 years old
✓ Verified
5.2 years old · via Plaid
✓ Verified
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