Apply for a Merchant Account
Start the application process for a properly underwritten merchant account. Most approvals are completed within 1–3 business days once documentation is submitted.
Tell Us About Your Business
Fill out the form below. All fields marked as required help us prepare an accurate review before we speak.
Prefer to talk first? Call us directly at (714) 794-2456 — Monday through Friday, 9am to 5pm PST.
Merchant Accounts for All Business Types
We work with businesses across Orange County and nationwide — from restaurants and retailers to contractors, ecommerce stores, and high-risk industries that standard processors have declined. If your business accepts credit cards, this application is the first step toward a stable, properly priced merchant account.
Restaurants & Retail
In-person businesses looking to reduce processing fees, upgrade POS systems, or move away from Square and Toast’s captive pricing structures.
Contractors & Service Businesses
Field service businesses needing mobile payment solutions, virtual terminals, and high-ticket processing without Stripe’s freeze risk.
High-Risk Industries
Supplements, peptides, CBD, coaching, and specialty businesses that have been declined or shut down by standard processors. Learn about high-risk accounts →
The Approval Process — Simple and Transparent
Unlike Stripe or Square’s instant automated signup, a dedicated merchant account goes through manual underwriting. This takes a few extra days upfront — but it’s exactly why your account won’t get frozen or shut down after the fact. The underwriter reviews your business before approving it, not after a volume spike triggers an algorithm.
Standard Approval Timeline
Most standard merchant accounts are approved within 1–3 business days from submission of complete documentation. High-risk accounts (supplements, peptides, high-ticket ecommerce) typically take 3–5 business days as they require additional underwriting review. We’ll keep you updated throughout.
Documents Typically Required
You don’t need to gather everything before submitting this pre-application — but here’s what the full underwriting process will need so you can start preparing:
- Government-issued ID (driver’s license or passport for all owners with 25%+ ownership)
- Business formation documents (LLC operating agreement, articles of incorporation, or DBA filing)
- Voided check or bank letter confirming your business bank account
- 3 months of processing statements (if you currently accept cards — helpful but not always required)
- 3 months of business bank statements (for high-risk and higher-volume accounts)
- Website URL with published return policy, shipping terms, and contact information
Industries That Require Additional Review
Certain industries require specialized acquiring banks and additional documentation. These include supplement and nutraceutical businesses, peptide and research compound sellers, CBD and hemp products, online coaching and digital products, and subscription billing businesses. If your business falls into one of these categories, review our high-risk merchant account page before submitting — it explains what the approval process looks like specifically for your industry.
What Happens After You Submit
We review your pre-application personally and reach out within one business day to discuss your situation, confirm what documentation is needed, and explain your pricing options. There’s no commitment at this stage — just an honest conversation about what makes sense for your business.
If you’d rather start with a free statement review before applying, that works too. We’ll analyze your current processing costs and show you exactly what you’re paying before you make any decisions.
Not Ready to Apply Yet?
Start with a free statement review and we’ll show you exactly what you’re paying and where you can save — no application required.