Why underwriters look closely at online business
No processing history
Underwriters have nothing to judge you by, so they start cautious.
Card-not-present
Every sale is remote, which carries more fraud risk.
Rapid growth
Volume that jumps faster than expected triggers reviews and holds.
A payment setup that fits
How we usually set up new online businesses. Your consultant tailors it to how you actually sell.
- 1
Limits sized to your plans
Volume limits set for what you actually expect, with a path to raise them.
- 2
Fraud tools
3-D Secure plus address and CVV checks from the first sale.
- 3
Growth reviews
We go back to the processor for better terms as your history builds.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if available
- Business registration and EIN letter
- Website with policies and contact details
- Projected monthly volume
- Prior processing statements, if you have any
Why applications get declined, and how to avoid it
- Website not live, or missing policies
- Projected volume far beyond any history
- Unclear what you sell
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Tell us before big launches or promotions
- Keep refund and contact details easy to find
- Build three to six months of clean history
Online business: common questions
Can a brand-new business get a merchant account?
Yes. Expect lower starting limits, which rise as you build history.
How do we avoid a hold when sales spike?
Tell your processor in advance. We help you request higher limits before a launch.
When can we get better rates?
Usually after a few months of clean processing. We’ll ask on your behalf.
What happens after I’m approved?
We stay on the account with you, watching fees, approvals and chargebacks, and tell you when there is money to save.