Specialist acquirers and banks onboard high-risk merchants faster when the application is complete on day one. This is what they will ask for.
Specialist acquirers and banks onboard high-risk merchants faster when the application is complete on day one. Expect to provide company documents, ID and proof of address for every owner with 25% or more, recent bank and processing statements, a compliant website with full policies, and a clear description of your products, customers and payment flows. Sector evidence is usually requested too, such as a gambling licence, certificates of analysis or regulatory registration.
The most common delay is a missing document, which pauses underwriting until it arrives.
Missing policies, unclear company details or product claims lead to requests for changes before approval.
If statements show different products, volumes or countries from the application, underwriters ask questions.
We check your file and website against what the provider will ask for before we introduce you, so underwriting starts complete.
File reviewWe check your documents against the provider's list before submission.
Website readinessPolicies, company details and product pages reviewed for common decline reasons.
Provider matchingIntroductions only where your sector and profile fit current appetite.
Faster onboardingA complete file on day one is the single biggest factor in speed.
Providers move fastest when the file is complete on day one. Have these ready before you apply.
Certificate of incorporationPlus your registered address and, for some providers, articles of association.
Ownership chartShowing every owner with 25% or more, through any holding companies.
ID and proof of addressFor each owner with 25% or more and for directors.
Processing statementsThe last 3 to 6 months, if you have processed before, with chargeback and refund figures.
Bank statementsRecent business bank statements.
Website policiesTerms, privacy, refund and shipping policies, and full company contact details.
Product or service listWith prices, average transaction size and where your customers are.
Sector evidenceLicence, certificates of analysis, regulatory registration or age verification, depending on your sector.
Providers ask for your licence or registration, AML policies, target countries and compliance contact.
Providers ask for certificates of analysis, research-use-only or compliance wording, and product pages without human-use or medical claims.
Providers ask for subscription and trial terms, cancellation flow and chargeback history.
Company documents, ID and proof of address for owners with 25% or more, recent bank and processing statements, a compliant website with full policies, and sector evidence such as a licence or lab reports.
Yes. New merchants can be approved, though terms may include a higher rate or reserve. A complete file and compliant website matter even more without history.
Generally anyone who owns or controls 25% or more of the business, directly or through other companies. Providers verify each of them.
It varies by provider and sector. Complete files move fastest, while missing documents are the most common cause of delay.
Not always. Providers onboard companies from many jurisdictions, but your company location affects which providers and currencies are available.
Give us the detail upfront (volume, set-up, what has been declined) and we can check provider appetite before we speak. We will assess whether there is a suitable provider match and come back to you directly. No obligation, no hard sell.
Have a client in this sector?If you're an EMI, MSB, payment consultant, or adviser with clients in this space you can't service directly, we have a structured introducer arrangement.