Secure intake. Encrypted in transit · no credit pull · SSN & banking are completed only on the acquiring bank's application, never here. PRIVATE SESSION

Pick a time. Meet your underwriter.

Fifteen minutes with the person who actually places your file — not a sales rep. You'll leave the call knowing if we can place you, and at what rate.

Please add your name.
A phone number helps us confirm your slot.
That email doesn't look complete.
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Your business, on paper.

Exactly what the acquiring bank sees first. Two minutes.

The bank needs the registered legal name.
Pick the structure you're registered as.
Format: 12-3456789.
No site yet is fine — underwriters just need to see what you sell before go-live.
Which state are you registered in?
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What you sell, how you sell it.

This decides which acquiring bank we route you to — it's the single most important answer in the file.

Pick the closest match — "Other" works too.
Write it like you'd say it on the phone. Underwriters read thousands of these — plain beats polished.
Choose how most payments happen.
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Your processing profile.

Honest numbers get better rates. Underwriters price uncertainty, not history.

This just sets which documents we'll ask for.
Best estimate is fine.
Rough average per transaction.
Say it plainly if so — it doesn't disqualify you here. It changes which bank we route to, and hiding it is the only real deal-breaker.
An honest answer here saves days later.
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Who owns it.

Banks underwrite people as much as businesses. Name and stake — that's all we need today.

Who signs for the business?
Anyone owning 25%+ will eventually be listed on the bank application — standard for every processor, we'll handle it on the call.
That email doesn't look complete.
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The document file.

Nothing to upload today — just tell us what you have, so your underwriter walks in prepared. Files go to a secure link after your call.

Government-issued ID
Driver's license or passport of the signing owner. Confirms identity — required by every acquiring bank.
Voided check or bank letter
Proves the payout account is yours. A screenshot from your bank portal with name + account visible also works.
3 months business bank statements
Shows the bank you can absorb refunds and chargebacks. Personal statements can substitute for brand-new businesses.
3 months processing statements if you've processed before
Your real volume and chargeback history — the strongest card in your file if the numbers are decent.
EIN letter or formation documents
SS-4 / 147c letter, or articles of organization. Matches your legal name to the IRS record.
Industry licenses & certificates
Whatever proves your vertical operates legally — FFL for firearms, lab reports (COAs) for CBD, state licenses for lending, credit repair, or telehealth.
Auto-saves on this device

Read it like an underwriter.

This is the exact file we package for the acquiring bank. Fix anything that reads wrong.

encrypted · reviewed by a human underwriter

Received. You're on the rail.

REF —
Your call — 15 minutes · with your underwriter
Your file Packaged for underwriting We review it before your call and flag anything the bank will ask about.
✓

Application received

Just now

02

Your underwriting call

We confirm the plan and exact pricing

03

Secure bank application

SSN & banking on the bank's encrypted link — 5 minutes

04

Live in 24–48h

Gateway keys or terminal shipped