Product
Underwriting and onboarding
In one line
Your file, prepared by people who know your vertical.
Reviewed
In the product
The same five stages you see on the site, as your dashboard shows them, with the document list in one place.
- Apply
- Underwriting
- Approve
- Integrate
- Live
Underwriting in progress
Acquiring review · CBD program
Documents · 4 of 5 received
- Articles of organizationReceived
- Three months of bank statementsReceived
- Processing history, last six monthsReceived
- Third-party lab certificatesReceived
- Refund and shipping policy URLsRequested
What it is
The acquiring bank makes the underwriting decision — that is true of every processor, whatever the marketing says. What differs is who prepares the file and whether they know what the bank is looking for. We assemble yours against the criteria our acquiring partners actually apply to your category, so the person asking for a certificate of analysis is the person who knows why the bank wants it.
Our acquiring partners publish what their programs write, which is why we can tell you on the first call whether your category fits rather than after three weeks of document collection. Where a category needs a specialist acquirer, we present the file there and you know which path you are on from the start.
Capabilities
What you get, specifically.
File preparation that matches the bank's criteria
We assemble and check your file against what the acquiring partner for your category actually asks for, before it goes anywhere. That is faster, and it means the questions you get asked are the ones that matter.
A straight answer on the first call
Standard program, specialist acquirer, or no route today. You hear which before you send a document, because the only thing this process can waste that you cannot get back is time.
Terms in writing before signature
Discount rate, per-transaction fee, monthly and per-transaction caps, reserve rate and term, funding schedule, and the conditions under which any of them can change.
One relationship, however many accounts
Accounts per brand, product or entity under one login and one named contact. If part of your business sits with a specialist acquirer, it still reports into the same dashboard.
Specification
The detail.
- Card brands
- Visa, Mastercard, American Express, Discover
- Presentment
- Card-not-present, card-present, MOTO
- Discount rate
- Set at underwriting
- Per-transaction fee
- Set at underwriting
- Monthly volume cap
- Set at underwriting
- Reserve rate and term
- Set at underwriting
- Settlement timing
- Set at underwriting
Rows reading set at underwriting are not omissions. Those figures are decided per merchant against your vertical, volume and history, and you will see all of them in writing before you sign.
Tell us what you sell.
Before anything sensitive changes hands, we will tell you whether one of our acquiring partners writes your vertical, roughly what the terms look like, and what underwriting will ask you for.