[simonwein12]

And of course, lack of critical details.

When was that submission declined? If it was more than 30 days, its free game to Kapitus. Check your ISO agreement.

Hopefully you can answer my question.

Yep, Most ISOs don't realize that almost all the big name funders in the industry have direct departments. they all call the merchant after 30 days per the ISO agreement. Kapitus happens to just use the same name for their funding and brokering arm, while all the others have different names for their broker shops.